Manager, Consumer Risk Portfolio Management

The Manager, Portfolio Risk Management is responsible for independent risk oversight and early risk identification across consumer lending portfolios (e.g., Credit Cards, Mortgage/HELOC, Direct Lending, Indirect/RV/Marine, Small Business).

This role focuses on:

• Proactive identification of emerging credit risks
• Portfolio analytics and risk segmentation
• Oversight of business strategies against risk appetite
• Development of actionable insights to inform senior management and regulatory reporting

The ideal candidate brings strong quantitative skills, deep knowledge of consumer credit risk, and hands-on experience with modern analytics and data tools.

Key Responsibilities

1. Risk Identification & Portfolio Oversight (Primary Focus)

• Monitor portfolio performance to identify emerging credit risks, adverse trends, and concentration exposures
• Develop and track key risk indicators (KRIs), early warning indicators, and portfolio triggers
• Conduct deep-dive analyses (vintage, segmentation, roll rates, loss drivers, score band performance)
• Provide independent challenge to business strategies (growth, underwriting, pricing, line management, collections)
• Assess alignment with risk appetite, credit policy, and regulatory expectations

2. Portfolio Analytics & Insights

• Analyze portfolio data to generate actionable insights on risk/return trade-offs
• Support loss forecasting, capital, and stress scenario analysis
• Identify drivers of delinquencies, charge-offs, and credit migration
• Perform ad-hoc analysis to support senior management, regulators, and business partners

3. Risk Reporting & Governance

• Develop and enhance risk reporting frameworks for management and regulatory stakeholders
• Ensure reporting is accurate, timely, and aligned with regulatory standards (e.g., OCC, CECL, Basel where applicable)
• Lead preparation of portfolio risk summaries, dashboards, and executive materials
• Support internal and external audits/examinations with clear documentation and defensible analytics
• Ensure strong data governance, controls, and reconciliation processes

4. Data, Tools & Infrastructure

• Work with large datasets from loan systems, bureau data, and payment platforms
• Build and maintain reporting solutions using tools such as:
  • SQL / SAS / Python / R (data extraction and analytics)
  • Tableau / Power BI (dashboarding & visualization)
  • Excel
• Partner with data owners to ensure data quality, completeness, and usability
• Contribute to automation and efficiency improvements in reporting and analytics workflows

5. Cross-Functional Risk Oversight

• Act as a trusted advisor to business, finance, model risk, and collections teams
• Collaborate across functions to ensure consistent risk measurement and reporting
• Support strategic initiatives (e.g., new product launches, credit strategy changes, model implementation) from a risk perspective

Qualifications

Experience & Education

• 3-5+ years of experience in Consumer Credit Risk, Portfolio Management, or Risk Analytics
• Experience across one or more products: Credit Cards, Mortgage/HELOC, Auto/RV/Marine, Personal Lending, Small Business
• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or related field (advanced degree preferred)
• Strong knowledge of:
  • Credit risk metrics (delinquency, roll rates, loss rates, vintage, PD/LGD concepts)
  • Portfolio risk analytics and segmentation techniques
  • Risk reporting frameworks and KRIs
• Hands-on experience with:
  • SQL, SAS, or Python
  • Data visualization tools (Tableau, Power BI)
• Ability to work with large, complex datasets and translate into clear insights
• Understanding of:
  • Consumer lending lifecycle and underwriting frameworks
  • CECL / IFRS9 concepts (preferred)
  • Regulatory expectations (e.g., OCC guidance, SR letters, model governance principles)
• Experience supporting audit