Partner Credit Manager II

Responsibilities

• Lead oversight and governance of partner lending programs to ensure alignment with credit risk policies and regulatory expectations
• Evaluate partner relationships, including underwriting strategies, credit policies, and decisioning frameworks
• Conduct ongoing monitoring of partner portfolios to identify emerging risks, adverse trends, and concentration exposures
• Provide independent review and effective challenge of partner credit strategies and risk mitigation practices
• Prepare and present portfolio risk assessments and trend analysis to senior management
• Develop and maintain credit risk policies, standards, and reporting frameworks
• Oversee risk strategies for consumer and small business lending programs, monitoring delinquencies, charge-offs, and fraud losses

Requirements

• Bachelor’s degree in finance, accounting, economics, business, or a related field
• 7+ years of experience in credit risk management, credit administration, underwriting, or portfolio risk management
• Experience managing partner, fintech, or third-party lending programs within a regulated financial institution
• Strong understanding of consumer and small business lending products (unsecured loans, lines of credit, card programs)
• Knowledge of regulatory expectations from OCC, FDIC, and CFPB
• Proficiency in Excel and experience working with large data sets and portfolio analytics platforms

Preferred Qualifications

• Advanced degree in a relevant field
• Experience with fintech partnerships, embedded finance, or Banking-as-a-Service (BaaS) programs
• Experience performing portfolio segmentation, vintage, and roll-rate analysis
• Familiarity with credit risk models and stress testing methodologies

Benefits

• Medical, Dental, and Vision insurance
• Health Savings Account (HSA) and Flexible Spending Accounts (FSA)
• Life, Disability, and Supplemental insurance
• 401(k) retirement plan with company matching
• Generous paid time off and 11 paid holidays