Director, Credit Risk -- Unsecured Consumer Loans, REMOTE or Omaha, NE

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.

The Director of Credit Risk will be responsible for creating, maintaining, and monitoring the credit risk strategies for Unsecured Installment loans of FNBO. This role requires the combination of excellent analytical expertise with strong business knowledge of unsecured loan products and clear communication of complex topics. Key tasks include completing analytical work to determine best in class credit strategies, moving projects forward through compliance and business review and approval. Additionally, the role involves managing sound UAT testing and creative problem solving for managing risk while maximizing partner and customer experience.

This role is located in Omaha, NE.
This role is an individual contributor role.

About This Role:

 

The Director, Credit Management -- UCL role is a self-starter who has a deep understanding of advanced credit risk concepts, is able to put those concepts into practice, has or develops excellent knowledge of the FNBO data environment,  and has a continuous improvement approach to their work, leading on-going change in the bank’s credit risk methodologies.

Key Accountabilities include:

• Manage the unsecured loans business within the approved risk appetite
• Develop, obtain approval, implement, and manage credit strategies for unsecured installment loan products
• Independently evaluate and analyze ongoing performance of portfolio/partners, including understanding of root cause for performance, and effectively manage improvement for underperformance and maximization for high performance
• Clear communication of complex analysis and strategy recommendations
• Strong collaboration with cross functional stakeholders to move the unsecured installment loan business forward
• Work closely with the Product, Technology and Business teams to ensure no issues with quality and or compliance of credit strategies
• Have a holistic view of how partner, product, term, and channel impact expected credit performance
• Support on-going internal and external audits by maintaining strong documentation

The Ideal Candidate for This Role:

 

• Bachelor’s degree in Statistics, Data Science, Mathematics, Finance, Business or related field; advanced degree preferred
• 8+ years of experience in credit analytics, risk management, or a related field
• 3+ years in analytical tools (e.g., SQL, Python)
• Demonstrated expertise in understanding and developing credit strategies
• Strong knowledge of industry regulations and compliance requirements
• Exceptional communication and leadership skills, with the ability to influence stakeholders at all levels.
• Ability to direct the resolution of highly complex or unusual business problems
• Proven track record of sound decision making practices
• Ability to manage competing and at time complex priorities – experience in fast paced environments

Compensation:

 

Compensation range (base pay): $97,774.00-$166,216.00

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Work Environment:

It is anticipated that the incumbent in this role will work remotely, offering you the freedom to contribute to our mission from wherever you work best, without compromising on career growth or connection to our team. Regardless of your location, you'll be fully integrated into our team through robust digital collaboration tools and regular communication. The incumbent can work remotely from any of the states listed on the job posting, though occasional travel may be required for in-person meetings. Please note, work location is subject to change based on business needs.

Benefits Overview:

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance

• 401k, With Matching Contributions

• Time Off Programs

• Health Savings Account (HSA)/Dependent Care