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.

• 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

• 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

• 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

• 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

• 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

• 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
• Bachelors 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 or regulatory reviews is a plus
• Strong analytical thinking and problem-solving
• Ability to identify risks early and escalate effectively
• Clear concise communication of complex risk insights to senior stakeholders
• Proven ability to independently own analyses and deliver under tight timelines