Lead Credit Risk Strategist

2 weeks ago


San Francisco, California, United States Truist Financial Full time
Position Overview:

The role entails providing high-level leadership to the Dealer Financial Services and Marine and RV sector in key areas such as risk oversight, data analytics, change management, pricing strategies, and project management.

As a vital member of the Dealer Retail Services Senior Leadership Team (SLT), you will develop and implement strategies aimed at fostering growth and profitability while maintaining a strong emphasis on effective risk management.

In this capacity, you will oversee multiple teams that focus on various functional domains to promote profitable expansion within Dealer Retail Services.

Key Responsibilities:

  • Oversee the credit risk operations for prime auto and marine/RV financing, including the formulation of policies, development of risk appetite, credit box establishment, scoring model creation, automated decision-making frameworks, loss forecasting, and portfolio return analysis, leveraging comprehensive analytics to support decisions.
  • Direct the pricing strategy for prime auto and marine/RV financing, which encompasses managing rate sheets, risk-return assessments, vendor model oversight, and communication of strategic outcomes.
  • Supervise the quality control processes for prime auto and marine/RV financing, including transactional loan evaluations, underwriter scorecards, and compliance assessments.
  • Manage reporting functions for prime auto and marine/RV financing, focusing on report creation, enhancements, and transitioning from manual processes to automation.
  • Lead the change risk management initiatives for prime auto and marine/RV financing, ensuring that risk appetite and policy objectives are effectively integrated within supporting applications in collaboration with technology partners.
  • Facilitate cross-functional initiatives such as Resource Allocation Committee management for DRS and act as a liaison for Community Bank Auto Lending.
  • Drive consensus among stakeholders regarding business transformation efforts.

Qualifications:

Required:

  • Bachelor's degree or equivalent education and experience.
  • A minimum of ten years of analytical experience with a concentration on credit risk.
  • Proficiency in analytics, reporting, and credit risk management applications.
  • Ability to collaborate with diverse stakeholders both internally and externally.
  • Exceptional verbal and written communication skills.

Preferred:

  • Master's degree with a focus on Finance.
  • Familiarity with credit products, including origination and performance metrics.

Benefits Overview:

All regular employees working 20 hours or more per week are eligible for benefits, which may vary by division. Truist offers a comprehensive benefits package, including medical, dental, vision, life insurance, disability coverage, tax-advantaged savings accounts, and a 401k plan. Employees are entitled to a minimum of 10 vacation days and 10 sick days annually, along with paid holidays. Additional benefits may include a defined benefit pension plan, restricted stock units, and/or a deferred compensation plan.

Truist is committed to fostering a diverse workforce and is an Equal Opportunity Employer, ensuring no discrimination based on race, gender, religion, citizenship, age, sexual orientation, disability, veteran status, or any other classification protected by law.

Truist maintains a Drug-Free Workplace.



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