Director, Credit Risk Decision Engines

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Our Modern, Flexible Workplace:

 

We believe in a Modern, Flexible Workplace, and we are continuously exploring advancements in technology and office environments to make it easier to work from anywhere at any time, allowing for more flexibility in where and how you work. We know that choice and flexibility are important to you. We also recognize that flexible and remote positions can become opportunities for military partners, caregivers, and individuals with disabilities to thrive at our company. We invite you to consider what a Modern, Flexible Workplace can mean for you!

It is anticipated that an incumbent in this role will work onsite for three (3) or more days a week and will have a dedicated workspace when working onsite. Work location is subject to change based on business needs.

Summary of the Job:

 

We are seeking a seasoned Decision Engine Design and Implementation Lead who designs and configures end-to-end automated underwriting and account management strategies using Provenir Studio, REST APIs, and JavaScript while integrating credit bureau data, fraud detection systems, and Python models. This technical leader translates complex business requirements into logical decisioning workflows that balance flexibility, efficiency, and maintenance considerations, while also creating comprehensive documentation and collaborating across Product and IT teams. The role requires extensive banking and financial services experience, strong analytical problem-solving skills, and the ability to lead implementation teams through complex projects from requirements gathering to successful deployment.

About This Role:

 

Strategic Design

• Design logical workflows that serve as the blueprint for end-to-end implementation of complex automated underwriting and account management strategies, incorporating needed flexibility, efficiency, stability, ease of maintenance and enhancement, and downstream analytical transparency
• Recommend improvements to existing solutions or processes to optimize performance and maintain best practices
• Apply experience in Banking, Financial Services, and risk management to deliver industry-leading solutions

Technical Implementation & Development

• Configure solutions within Decision Engine to meet requirements for credit, fraud, or other risk-based decisioning use cases
• Utilize REST APIs, XML, JSON, and JavaScript to configure, integrate and customize decision flows
• Leverage understanding of credit bureau report features, identity verification, and data science (including Python models) to enhance solution capabilities

Documentation & Knowledge Management

• Create and maintain comprehensive design documentation, technical specifications, and configuration guides

Stakeholder Collaboration & Communication

• Collaborate and communicate with end users to understand business processes, gather requirements, ensure scope alignment, and progress against timelines
• Work in partnership with cross-functional teams (Product, IT) to ensure successful project delivery
• Clearly articulate complex technical concepts to both technical and non-technical audiences

Problem Solving & Analysis

• Leverage strong analytical skills and creativity to identify, diagnose, and resolve configuration and integration challenges

Team Leadership & Management

• Lead team of implementation analysts, providing technical direction to the development team by breaking down complex project requirements into manageable tasks with clear acceptance criteria and ensuring alignment between technical execution and business objectives while fostering individual growth and ownership among team members

The Ideal Candidate for This Role:

 

Key Skills:

• Excellent written and verbal communication skills, including the ability to effectively present complex information clearly and appropriately handle sensitive information
• Well organized, self-driven and detail-oriented individual who is capable of self-managing and multi-tasking in a fast-paced environment
• Demonstrated ability to adapt to changing priorities and a strong work ethic
• Team player with a collaborative mindset, open to sharing knowledge and learning from peers.
• Excellent customer-facing and communication skills, with the ability to translate technical concepts for non-technical audiences.
• Creative problem-solver with a passion for delivering innovative