VP of Underwriting & Credit Risk

Woodbridge, CA - USA

Monthly Salary: Not Disclosed

Posted on: 14 hours ago

Vacancies: 1 Vacancy

Department:

Finance

Job Summary

Column Technical Services is seeking a seasoned VP of Underwriting and Credit Risk to join the Risk organization team to lead the full credit lifecycle across consumer and small business lending in Woodbridge NJ. Youll build datadriven underwriting models shape credit strategy with senior leadership and drive portfolio performance for a fastgrowing techforward lender. If youre a handson credit expert who thrives in analytical highownership environments this role offers the chance to make a major impact. We encourage you to apply and explore this exciting opportunity!

In this role this leader will oversee the full credit lifecycle across consumer and small business lending ensuring underwriting pricing and portfolio management strategies support both growth and risk objectives. The role requires deep expertise in evaluating individual and business loans incorporating FICO scores debt ratios and other borrower metrics into credit decisions. You will work closely with the CRO and senior leadership to support financing partners portfolio reporting and new product development. Leveraging data and analytics you will refine underwriting models approval strategies and pricing methodologies to drive performance and optimize returns. You will also monitor portfolio trends credit metrics and emerging risks to proactively manage losses. As a senior leader you will mentor a high-performing credit and risk team while upholding strong governance compliance and internal controls.

Candidates must reside within a commutable distance to Woodbridge NJ and be able to work onsite three days per week.

Key Responsibilities

Lead underwriting credit risk management and portfolio management functions across consumer and small business lending including individual and business loan products
Design implement and validate automated underwriting models analytics and loan decisioning processes within digital lending platforms
Develop maintain and manage credit policies underwriting standards and governance frameworks including FICO score thresholds and debt ratio requirements
Implement risk-based pricing strategies loan-loss models and portfolio analytics to optimize risk-adjusted returns
Monitor and report on portfolio performance including approval rates delinquency losses FICO score distributions and pricing effectiveness
Partner with the CRO and senior leadership to shape credit strategy growth initiatives and new product launches
Support financing partner relationships through portfolio reporting and credit risk insights
Collaborate with legal counsel to identify regulatory and legal risks and ensure compliant credit documentation
Manage relationships with third-party vendors such as credit bureaus loan processors analytics providers and collections agencies

Qualifications

10 years of experience in banking and/or financial technology with deep expertise in underwriting credit risk management credit model development and credit policy design
Minimum 3 years of senior leadership experience
Proven track record building data-driven highly automated scalable underwriting and credit decisioning platforms
Strong background in consumer lending and small business equipment lending including at least 2 years in sub-prime credit
Expertise evaluating individual and business loans incorporating FICO scores and debt ratios into underwriting decisions
Experience developing and managing credit policies and partnering with legal teams on regulatory and documentation frameworks
Demonstrated ability to lead cross-functional teams and manage third-party vendor relationships
Hands-on leadership style with strong attention to detail and execution discipline
Ability to commute to Woodbridge NJ three times per week (Tues-Thurs)
Bachelors or Masters degree in Business Finance or a quantitative field

Bonus

Experience managing both prime and sub-prime loan portfolios in the U.S.
Background in delinquency management collections strategies and loss mitigation
Strong communication skills with the ability to explain complex credit concepts to technical and non-technical audiences
Experience working with credit bureaus loan processors and collections agencies
Familiarity with ML-driven underwriting models and emerging trends in credit risk
Experience evaluating individual and business loans using FICO-based underwriting approaches

Required Experience:

Exec

Column Technical Services is seeking a seasoned VP of Underwriting and Credit Risk to join the Risk organization team to lead the full credit lifecycle across consumer and small business lending in Woodbridge NJ. Youll build datadriven underwriting models shape credit strategy with senior leadership...