Momentum

Insurance

• Develop and implement credit strategies for US lending products, collaborating with senior leadership and cross-functional teams
• Design, implement, and optimize credit strategies for sub-prime lending, including origination, adjudication, underwriting, and portfolio management
• Maintain and enhance underwriting analytics, including approve/decline logic, loan assignment, refinancing, and eligibility criteria for marketing and risk-based pricing
• Monitor loan portfolio performance, including delinquency, charge-off, yield, and concentration risks
• Oversee daily work and analysis of the credit risk team to ensure accuracy, compliance, and actionable insights
• Monitor compliance with risk appetites and policies, ensuring frameworks align with regulatory standards
• Identify emerging risks, analyze key trends, and support proactive strategies to mitigate exposures
• Recommend policy, product, and strategy changes based on risk findings
• Lead, mentor, and manage a team of analysts, providing guidance, training, and development opportunities
• Collaborate with IT, Product, Marketing, and other departments to integrate risk management into business initiatives
• Deliver clear, actionable insights to senior executives with strong communication and presentation skills
• Leverage advanced data science and machine learning capabilities to enhance credit operations and decisioning processes
• Conduct in-depth analysis using SAS, SQL, R, Python, or equivalent tools to generate insights and forecasts
• Support the development of lifetime customer value models and loss forecasting methodologies
• Partner with lead generation platforms (LeadPoint, LendingTree, Lead Prosper) and leverage Ping Tree bidding systems to optimize acquisition quality

Director, Credit Risk Management