Director, Credit Risk Oversight – Consumer Lending

Best Egg

Director of Credit Risk Oversight at Best Egg overseeing credit underwriting and portfolio performance. Ensuring alignment with risk appetite and regulations for consumer lending products.

Posted 4/13/2026full-timeRemote • 🇺🇸 United StatesLead💰 $110,000 - $130,000 per yearWebsite

About the role

Key responsibilities & impact

Provide independent 2LOD oversight and challenge of credit underwriting, loan amount/credit exposure, pricing, and portfolio performance strategies
Ensure effective governance frameworks are in place for credit decisioning, strategy changes, documentation, and reporting
Monitor portfolio performance across originations, vintages, and customer segments
Identify emerging risks, evolving trends, and portfolio concentration opportunities
Evaluate impacts of strategy changes on approval rates, credit quality, and profitability
Understanding of marketing and growth strategies impacts to ensure alignment with credit risk appetite and portfolio objectives
Review expansion strategies (e.g., new segments, channels, or products) for risk implications
Ensure adherence to applicable consumer lending and fair lending regulations (e.g., ECOA/Reg B, FCRA, UDAAP, etc.)
Provide effective challenge on fair lending risk, model bias, and disparate impact considerations
Support regulatory exams, internal audits, and issue remediation
Develop and maintain credit risk reporting, insights, and dashboards
Escalate material risks, control gaps, or model concerns in a timely manner
Provide oversight of new credit strategies, model deployments, and product launches
Ensure appropriate risk assessment and governance for FinTech-driven innovations (e.g., alternative data, AI/ML models)
Support ongoing enhancement of credit risk frameworks and controls

Requirements

What you’ll need

10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending
Experience in 2LOD, model risk, validation, or audit, or strong exposure to independent oversight functions
Deep understanding of credit risk models and decision strategies
Proven experience analyzing portfolio performance and credit trends
Preferred Experience
Experience in a FinTech and/or regulated banking environment
Exposure to digital lending, alternative data, or advanced analytics/ML models
Strong knowledge of consumer lending regulations, including: ECOA / Regulation B (fair lending), FCRA, UDAAP
Experience in addressing fair lending and model governance risks preferred

Benefits

Comp & perks

Pre-tax and post-tax retirement savings plans with a competitive company matching program
Generous paid time-off plans including vacation, personal/sick time, paid short-term and long-term disability leaves, paid parental leave, and paid company holidays
Multiple health care plans to choose from, including dental and vision options
Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts
Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs
Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!

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Hard Skills & Tools

credit risk managementunderwritingportfolio riskcredit risk modelsportfolio performance analysismodel risk validationadvanced analyticsAI modelsML modelscredit risk reporting

Soft Skills

independent oversighteffective governancerisk assessmentchallenge on fair lending riskcommunicationproblem-solvingstrategic thinkinganalytical skillscollaborationtimely escalation