Credit Portfolio Senior Officer I

We are seeking a highly experienced and strategic Senior Credit Risk Business Architect to lead the design and oversight of our credit risk technology ecosystem. This senior leader will ensure our architecture is future-ready, cost-efficient, and capable of delivering exceptional performance across all credit risk functions. The role will partner closely with Credit Risk business leaders, IT, and Finance to design, implement, and evolve the technology stack supporting our decisioning, monitoring, reporting, and compliance needs.

This is a critical role that requires a strong blend of technical architecture expertise, business acumen, and strategic leadership. Key Responsibilities include:

Architecture Design & Oversight

• Establish and maintain the reference architecture for credit risk platforms, applications, and data flows.

• Define architectural standards, frameworks, and guardrails to guide solution delivery.

• Provide architectural leadership on design reviews, proof of concepts, and technology evaluations.

Technology Performance & Scalability

• Ensure systems meet or exceed business expectations for speed, accuracy, and resilience.

• Anticipate future needs and design scalable solutions to support growth, new products, and regulatory change.

• Drive innovation by assessing emerging tools, platforms, and methods for credit risk management.

Cost of Ownership & Optimization

• Conduct deep analysis of total cost of ownership (TCO) across credit risk technologies.

• Identify redundancies and opportunities to simplify, modernize, and streamline the stack.

• Partner with Finance and IT to align investment decisions with value creation.

Business & IT Partnership

• Serve as the key liaison between Credit Risk leadership and IT teams.

• Translate business requirements into technical designs that are practical, scalable, and compliant.

• Ensure architectural decisions proactively address compliance, data governance, and risk control requirements.

Leadership & Influence

• Act as the strategic thought leader for credit risk architecture within the enterprise.

• Build strong partnerships across risk, technology, operations, and finance teams.

• Influence decision-making at senior levels by presenting clear architectural options, trade-offs, and recommendations.

Qualifications

• 10+ years of experience in credit risk, technology architecture, or related roles.

• Strong background in enterprise architecture, solution design, and systems integration.

• Proven ability to design and optimize credit risk decision engines, data platforms, and monitoring/reporting solutions.

• Experience evaluating and implementing large-scale risk systems, including vendor platforms.

• Strong understanding of cost management, performance optimization, and scalability principles.

• Ability to bridge business and technology, translating complex needs into actionable designs.

• Exceptional communication, leadership, and stakeholder management skills.

• Bachelor’s degree in Computer Science, Engineering, Finance, or related field

Success Measures

• Delivery of a unified credit risk architecture roadmap aligned with business strategy.

• Reduction in technology cost of ownership while maintaining or improving performance.

• Improved alignment between Credit Risk, IT, and Finance in system design and investment decisions.

• Scalable architecture supporting future business growth, regulatory needs, and innovation.

• Recognition as the strategic architecture authority for credit risk capabilities.

The complexity and scale of our credit risk ecosystem requires a dedicated senior leader to ensure we are building and maintaining best-in-class business architecture that supports both current and future business needs. The Senior Credit Risk Business Architect will serve as the strategic design authority for all credit risk technology and process capabilities, ensuring alignment between business objectives, regulatory requirements, and enterprise technology standards.

Unlike traditional project delivery roles, the Architect provides holistic oversight across platforms, applications, and data flows, ensuring we are designing solutions that are scalable, resilient, cost-effective, and aligned with long-term business priorities. This role bridges the gap between technology and business, guiding how we