SVP, Risk Management Credit, Fraud & Pricing

Job Title: SVP Risk Management - Credit Fraud and Pricing

Reports To: Chief Risk Officer

FLSA Status: Exempt

Department: Risk

JOB SUMMARY: Responsible for leading LendingPoints credit underwriting fraud prevention and

pricing strategy to drive profitable growth while managing risk exposure. This role oversees the

companys risk framework portfolio performance and compliance with applicable regulations and

partners cross-functionally to implement data-driven strategies that support business objectives

and investor expectations.

ESSENTIAL JOB FUNCTIONS:

• Provide leadership over Credit Fraud and Pricing strategy establishing the vision long-term roadmap and risk appetite in alignment with company objectives and growth targets.
• Design approve and oversee enterprise-wide credit underwriting fraud prevention and pricing frameworks to optimize portfolio performance while balancing risk profitability and customer experience.
• Direct ongoing portfolio performance monitoring including credit losses fraud trends customer behavior and pricing outcomes; make strategic adjustments to drive sustainable growth and profitability.
• Evaluate macroeconomic trends regulatory developments and competitive market conditions; proactively adjust risk and pricing strategies to mitigate exposure and capitalize on market opportunities.
• Oversee the selection implementation and optimization of third-party data sources fraud tools and decisioning technologies to strengthen underwriting accuracy and fraud controls.
• Establish pricing strategy and governance ensuring alignment with risk segmentation capital costs and profitability objectives while maintaining competitive positioning.
• Partner cross-functionally with Data Science Product Technology Finance Compliance Legal and Capital Markets teams to translate strategic risk initiatives into scalable operational solutions.
• Present risk strategy portfolio performance and key initiatives to Executive Leadership investors warehouse lenders rating agencies and bank partners; secure approvals for material strategic decisions.
• Collaborate with Compliance to ensure requirements are met for all applicable federal and state regulations governing credit underwriting pricing fair lending fraud prevention and consumer protection.
• Provide oversight of automation and decisioning enhancements ensuring risk systems and models are implemented effectively and responsibly into production environments.
• Own departmental budget planning resource allocation vendor oversight and cost management initiatives to maximize ROI.
• Build lead and develop a high-performing risk organization; establish succession planning performance standards and a culture of accountability innovation and data-driven decision-making.
• Establish governance structures reporting standards and internal controls to ensure transparency audit readiness and regulatory compliance.

MINIMUM QUALIFICATIONS: To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

• Bachelors in a quantitative field (e.g. Mathematics Data Science Statistics Economics Finance etc.). Masters degree preferred.
• 15 years of experience in credit risk management; 5 years of experience working in consumer unsecured lending.
• Strong statistical and analytical skills with experience leveraging large and complex datasets for driving business decisions.
• Expertise in credit underwriting fraud and pricing strategies
• Experience with 3^rd party data/tools
• Thorough understanding of competitive environment and recent developments
• Demonstrated skill and experience with SQL Python / R Tableau Excel and PowerPoint.

COMPETENCIES:

• Customer Service: Exceptional attitude and a passion for providing outstanding service to internal customers.
• Attention to Detail: Thoroughness in accomplishing a task through concern for all the areas involved no matter how small. Monitors and checks work or information and plans and organizes time and resources efficiently
• Analytical Skills: Collects and researches data; Designs workflows and procedures; Identifies data relationships and dependencies.
• Communications: Exhibits good listening and comprehension. Expresses ideas and thoughts in verbal and written form. Keeps others adequately informed. Selects and uses appropriate communication methods.
• Managing People: Develops subordinates skills and encourages growth; provides direction and guidance; reacts well under pressure; motivates others to perform well and exhibits confidence in self and others.
• Problem Solving: Ability to solve issues efficiently and quickly.

• Relationship Management: Manages interactions to service and support the organization; establishes credibility with all interactions.

• Teamwork: Contributes to building a positive team spirit. Exhibits objectivity and openness to others views.

SUPERVISORY RESPONSIBILITY
Yes - This position is responsible for direct supervision of designated employees in the Risk department.

PHYSICAL DEMANDS

While performing the duties of this job the employee is regularly required to stand walk reach and sit for a minimum of 8 hours with or without reasonable accommodation. The employee is required to use hands to finger handle or feel objects and/or tools. The employee is required to talk or hear with or without reasonable accommodation and must sometimes lift and move up to 10 pounds.

WORK ENVIRONMENT
While performing the logistics duties of this job the employee is frequently exposed to moderate noises such as computers printers and other light traffic noise in an office setting.

This role is in-office. Remote work may be performed from a pre-approved location as arranged and scheduled by team management and approved by department leadership.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities duties or responsibilities that are required of the employee for this job. Duties responsibilities and activities may change or be supplemented at any time with or without notice.

Required Experience:

Senior Exec