Director, Credit Policy – Underwriting Strategy

Achieve

Director of Strategic Underwriting Guidance providing oversight of credit policy at Achieve. Collaborating with stakeholders to drive process optimization and quality control in mortgage lending.

Posted 7/1/2026full-timeRemote • Dallas • Texas • 🇺🇸 United StatesLead💰 $220,000 - $250,000 per yearWebsite

About the role

Key responsibilities & impact

Partner with key stakeholders to manage the formulation of strategic credit policy for AHL, maintaining objective and robust credit boundaries.
Translate credit strategy into clear, actionable, and consistently applied underwriting guidelines.
Maintain a single source of truth for underwriting guidelines, including version control, change governance, and clear communication of updates.
Serve as the bridge between credit strategy/modeling and underwriting operations, ensuring strategy is operationally executable and that operational feedback informs strategy.
Partner with underwriting leadership to optimize processes, reduce cycle time, and improve decision consistency without weakening credit boundaries.
Support the AHL Third-Party Origination (TPO) channel on credit policy, ensuring broker and correspondent partners operate within Achieve's credit boundaries.
Develop TPO-specific overlays, guidance, and communications, and serve as the credit-policy point of contact for the channel.
Own real-time monitoring of TPO credit performance - early-payment default, exception and overlay trends, guideline adherence, and fraud signals - and trigger timely, well-reasoned policy responses.
Partner with TPO/wholesale leadership and channel counterparties to remediate performance issues and tighten or adjust policy where needed.

Requirements

What you’ll need

8+ years of experience in mortgage or home-lending credit, underwriting, or credit policy, including authoring or owning underwriting guidelines.
5+ years of leadership experience across credit policy, underwriting, or quality control functions.
Deep knowledge of consumer mortgage / home equity products (e.g., HELOC, home equity loans) and the underwriting lifecycle.
Proven track record leading strategic transformation initiatives and cross-functional programs.
Ability to translate complex analytical concepts into actionable business recommendations.
Strong analytical, problem solving and communication skills.
Strategic thinker with strong business acumen and executive presence.
Strong stakeholder management skills across executive leadership, investors, regulators, and external partners.
Preferred: Experience standing up or separating a strategic credit-policy function from underwriting operations.
Hands-on experience with Third-Party Origination (TPO) / wholesale or correspondent channels and the credit risks specific to them.
Experience building real-time channel performance monitoring and early-warning frameworks.
Background in fintech home lending or a high-growth mortgage environment.

Benefits

Comp & perks

401 (k) with employer match
Medical, dental, and vision with HSA and FSA options
Competitive vacation and sick time off, as well as dedicated volunteer days
Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
Pet care discounts for your furry family members
Financial support in times of hardship with our Achieve Care Fund
A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Mortgage Credit PolicyUnderwriting Lifecycle KnowledgeConsumer Mortgage ProductsStrategic Transformation InitiativesReal-Time Performance Monitoring

Soft Skills

Strong Communication SkillsStrategic ThinkingBusiness AcumenExecutive Presence