SVP, Credit Risk, Policy

Accion Opportunity Fund

SVP overseeing enterprise credit risk, underwriting policy, portfolio analytics, and compliance for AOF, a mission-driven small-business lender. Leading risk strategy, fraud prevention, CECL governance, and executive and Board reporting for underserved communities.

Posted 8/5/2026full-timeRemote • California • 🇺🇸 United StatesLead💰 $220,000 - $250,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit risk management, including the development of credit policies, risk scoring models, and portfolio management frameworks. Proficient in predictive analytics, automated decisioning, and compliance with federal and state lending regulations.

Highest-signal resume keywords

Credit Risk ManagementCECL MethodologyPredictive AnalyticsFinancial Statement AnalysisLeadership and Mentoring

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Policy DevelopmentRisk Scoring ModelsPortfolio ManagementCommercial UnderwritingCredit AdministrationFraud Prevention StrategiesAutomated Underwriting SystemsQuantitative AnalysisData AnalysisRegulatory Compliance

Soft Skills

Leadership SkillsAnalytical SkillsCommunication SkillsOrganizational SkillsDecision-Making Abilities

Tools & Technologies

Microsoft SuitePower BITableauSQLPythonSAS

Industry Keywords

BSA/AMLOFACKYCFair LendingCommercial LendingFinancial InstitutionCredit UnionCommercial BankSBA Lending ProgramsFinancial Crimes

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Develop and execute AOF's enterprise-wide credit risk management strategy
Establish and maintain the credit philosophy, risk appetite, underwriting standards, and portfolio management framework
Lead development and enhancement of credit policies, risk scoring models, underwriting guidelines, and approval authorities
Advise Executive Management and the Board on credit risk matters
Support the Credit Risk Committee and present portfolio performance and risk assessments to executive leadership and the Board
Develop and update credit, underwriting, fraud, and portfolio management policies
Balance predictive analytics, automated decisioning, alternative data sources, and experienced credit judgment in underwriting
Establish governance for policy exceptions, approval authorities, and credit quality standards
Oversee portfolio monitoring, concentration management, delinquency trends, loss performance, and asset quality
Develop risk indicators, early warning systems, stress testing, and scenario analysis
Recommend concentration limits, diversification strategies, and risk mitigation initiatives
Develop portfolio performance reporting for executives, regulators, and the Board
Oversee credit scoring models, predictive analytics, underwriting algorithms, and portfolio management tools
Evaluate emerging technologies, alternative data providers, artificial intelligence, and machine learning solutions
Oversee CECL methodology, assumptions, governance, reporting, reserves, charge-offs, recoveries, and loan loss trends
Develop fraud prevention strategies and oversee identity verification, application fraud prevention, deposit fraud monitoring, and financial crimes controls
Partner with Compliance on BSA/AML, OFAC, CIP, KYC, Fair Lending, and consumer protection requirements
Lead credit-related regulatory examinations and internal and external audits
Partner with Operations on loan servicing, collections, delinquency management, recoveries, and credit lifecycle improvements
Coordinate due diligence of sellers, servicers, loan assets, and loan participations
Evaluate third-party relationships and support strategic lending partnerships
Recruit, mentor, coach, and develop the Credit Risk organization
Establish performance expectations, succession planning, and professional development initiatives
Promote collaboration across Credit, Sales, Operations, Compliance, Finance, Product, and Engineering teams

Requirements

What you’ll need

Required BS or BA degree in Statistics, Engineering, Mathematics, Finance, Economics, Business Administration, or another quantitative discipline
Minimum of 10 years of progressive commercial and consumer credit risk management practice
Minimum of 10 years leading enterprise credit risk, underwriting, or portfolio management functions
Extensive experience managing commercial lending portfolios and developing enterprise credit policies
Strong knowledge of financial statement analysis, commercial underwriting, portfolio management, and credit administration
Demonstrated experience with CECL methodology, allowance calculations, and credit loss forecasting
Deep understanding of credit risk analytics, predictive modeling, automated underwriting systems, and portfolio monitoring
Knowledge of applicable federal and state lending regulations, including Fair Lending, BSA/AML, OFAC, KYC, and related compliance requirements
Proven ability to present effectively to executive leadership, regulators, and Boards of Directors
Outstanding written, verbal, analytical, organizational, and leadership skills
Preferred master's degree (MBA, Finance, Economics, Statistics, or related disciplines)
Experience within a financial institution, credit union, or commercial bank preferred
Experience with SBA lending programs preferred
Experience implementing automated underwriting platforms and enterprise credit risk systems preferred
Experience leading fraud prevention and financial crimes programs preferred
Proficiency with Microsoft Suite, Power BI, Tableau, SQL, Python, SAS, or similar technologies preferred
Strategic vision and enterprise thinking
Exceptional analytical and quantitative skills
Strong business judgment and decision-making abilities
Executive presence and communication skills
Ability to influence across multiple business functions
Commitment to continuous improvement and innovation
High ethical standards and professional integrity
Collaborative leadership style and passion for developing people and AOF's mission

Benefits

Comp & perks

Competitive salary commensurate with experience
Flexible remote work environment
Monthly remote work reimbursement (phone and internet)
100% employer-paid medical, dental, vision, life, and disability insurance for employees (based on plan selection)
90% employer-paid dependent medical coverage (based on plan selection)
Flexible Spending Accounts (FSA)
Supplemental Life and AD&D insurance
Legal assistance plans
403(b) retirement plan with employer matching contributions
Unlimited paid vacation
Twelve paid holidays plus one floating holiday
Ten paid sick days
Paid parental leave
Professional development opportunities
17% Discretionary Annual Target Bonus