Lead, develop, and manage a team of Partner Credit Risk Managers responsible for oversight of partner credit programs
Establish and maintain a comprehensive second line oversight framework for all BaaS partner credit programs
Recommend and enforce credit risk policies, and risk appetite across partner credit programs
Evaluate and approve (or recommend to Leadership) partner credit models, underwriting strategies, and program structures
Monitor portfolio performance across partners, identifying trends, concentrations, emerging risks and action plans
Guide development of early warning indicators and portfolio stress scenarios
Collaborate with fintech partners, program managers, and internal stakeholders to ensure alignment with risk expectations
Ensure compliance with regulatory expectations related to third-party risk (e.g., FDIC, Federal Reserve guidance)
Support due diligence and onboarding of new BaaS partners, including credit assessments
Provide credible challenge to partner assumptions, models, and performance forecasts
Design and implement controls for counterparty credit risk management, including ongoing partner monitoring
Lead the evaluation of financial strength and stability of BaaS partners. Analyze financial statements, cash flow, liquidity, capital adequacy, and funding models
Establish counterparty risk ratings, exposure limits, and ongoing monitoring standards
Identify and escalate risks related to partner sustainability, operational dependency, and market conditions.

12+ years of experience in credit risk, lending, or risk management within a bank or financial institution
5+ years of experience in a second line of defense or oversight function
Proven leadership experience managing teams and cross-functional collaboration
Demonstrated experience working with fintech partners and BaaS platforms
Strong experience with consumer and small business lending portfolios
Proven expertise in counterparty risk assessment, including financial statement analysis
Deep understanding of credit risk frameworks, underwriting, portfolio management, and risk governance
Strong analytical skills with ability to translate data into actionable insights
Excellent communication skills with ability to influence senior stakeholders
Ability to Travel

Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.
Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.
Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.
Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.
Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.
Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.
Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.
401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.
Paid Time Off: Generous vacation and sick leave policies to support your time away from work.
Holidays: Enjoy 11 paid holidays throughout the year.

Director of Partner Credit Risk Management – Oversight

Key skills