Director, Credit Risk Oversight

Best Egg

Director overseeing credit risk for Best Egg’s tech-enabled lending platform. Challenging underwriting, pricing, and portfolio strategies across personal lending and credit cards.

Posted 9/3/2026full-timeWilmington • 🇺🇸 United StatesLead💰 $125,000 - $150,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in consumer credit risk management, including underwriting strategy, portfolio management, and credit risk oversight. Proficient in data-driven analysis and reporting, with strong communication and stakeholder management skills.

Highest-signal resume keywords

Consumer Credit Risk ManagementUnderwriting Strategy DevelopmentAdvanced SQL ProficiencyData-Driven AnalysisPortfolio Performance Monitoring

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk OversightUnderwriting PoliciesPricing StrategyLoan Amount AssessmentApplicant VerificationPortfolio Management StrategiesCredit DecisioningRisk Score AnalysisQuantitative AnalysisCredit Risk Reporting

Soft Skills

Excellent Written CommunicationEffective Stakeholder ManagementStrong Organizational SkillsAbility to Manage Multiple PrioritiesVerbal Communication Skills

Tools & Technologies

SQLPythonCredit Risk DashboardsData Analysis ToolsPortfolio Insights

Industry Keywords

Consumer CreditRisk AppetiteGovernance FrameworksCredit StrategyRegulatory Examinations

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Provide independent Second Line of Defense oversight and credible challenge of credit underwriting, approval, pricing, loan amount, applicant verification, portfolio management strategies, and credit policies
Evaluate proposed credit strategy changes and exceptions, including rationale, analysis, expected outcomes, risks, testing, monitoring plans, and alignment with risk appetite and portfolio objectives
Assess governance for strategy approval, documentation, implementation, and post-launch monitoring
Recommend enhancements to frameworks, policies, and limits
Document and communicate independent assessments, challenges, and conclusions to senior management and governance forums
Support regulatory examinations, internal audits, and remediation related to credit strategy, governance, and portfolio performance
Monitor portfolio performance across products, vintages, risk tiers, credit score bands, customer segments, channels, and other risk dimensions
Identify emerging risks, performance deterioration, concentrations, and variances from expectations or risk parameters
Evaluate actual and expected effects of strategy changes and growth initiatives on approvals, volume, portfolio mix, credit quality, losses, pricing, and profitability
Develop independent analyses challenging First Line of Defense monitoring, assumptions, and conclusions
Recommend analysis, escalation, or management action when warranted
Develop and maintain credit risk reporting, portfolio insights, and dashboards for senior management and governance committees
Translate complex credit performance information into conclusions and recommendations
Escalate material credit risks, adverse performance trends, strategy concerns, limit breaches, and decision-strategy issues
Track significant credit risk matters through resolution and closure

Requirements

What you’ll need

10 or more years of experience in consumer credit risk, underwriting strategy, pricing strategy, portfolio management, or credit risk oversight
Significant experience with unsecured and/or secured personal loan products
Direct experience developing or managing consumer credit strategies within the First Line of Defense, or independently overseeing and challenging those strategies within the Second Line of Defense
Experience with underwriting, approval, pricing, loan amount, applicant verification, or portfolio management strategies
Deep understanding of consumer credit risk drivers, borrower segmentation, exposure management, credit decisioning, underwriting policies, risk scores, and lending strategy data
Ability to evaluate vintage performance, delinquency and loss trends, and portfolio profitability
Experience using data-driven analysis to identify credit risk, challenge assumptions, influence decisions, and present conclusions to senior management or governance committees
Advanced proficiency in SQL and/or Python
Ability to source, manipulate, validate, and analyze consumer credit and portfolio performance data independently
Ability to develop credit risk reports, dashboards, supporting materials, and ad hoc analyses
Advanced analytical and quantitative skills
Excellent written and verbal communication skills
Effective stakeholder management skills
Strong organizational skills and ability to manage multiple priorities
Experience developing or overseeing credit card existing account management strategies is 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, including dental and vision options
Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts
Company-paid life insurance
Wellness platforms
Employee assistance programs
Health Advocate programs
Identity theft protection
Pet insurance
Fitness center reimbursements
Other discounted benefits