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Populus Financial Group · 3 weeks ago

Director of Credit Risk Management

Irving, TX

Full-time

Hybrid

Mid, Senior Level

7+ years exp

Populus Financial Group is seeking a Director of Credit Risk Management, a strategic and analytical leader responsible for shaping and executing the enterprise credit risk strategy across all lending portfolios. This role combines deep technical expertise in credit risk modeling with strategic vision, innovation, and thought leadership in emerging risk technologies.

E-CommerceFinanceFinancial Services

H1B Sponsor Likely

Responsibilities

Develop and execute a strategic roadmap for credit risk management that aligns with corporate strategy, portfolio performance, and risk appetite

Act as the thought leader for credit risk, guiding model development, policy design, and analytics in line with enterprise goals

Design, implement, and continuously refine credit policies and decisioning frameworks that are agile, compliant, and performance focused

Oversee underwriting model governance, including monitoring, validation, recalibration, and drift management to ensure accuracy and portfolio stability

Champion innovation through AI, machine learning, and alternative data to enhance predictability and credit quality

Continuously evaluate and optimize credit waterfalls and origination strategies to maximize efficiency, profitability, and controlled risk

Lead portfolio forecasting, early warning, and stress testing processes to identify vulnerabilities and mitigate emerging risks

Partner with Finance, Product, and Marketing to align pricing, policy, and acquisition strategies with risk-adjusted profitability goals

Oversee credit risk aspects of direct mail and acquisition programs, ensuring predictive targeting, compliance, and performance optimization

Lead the development, testing, and rollout of new underwriting and portfolio management models across products and channels

Maintain strong model governance frameworks with transparency, version control, and performance accountability

Identify and integrate new data sources—including behavioral, transactional, and digital identity data—to improve model accuracy and portfolio insights

Define and monitor key risk indicators (KRIs) and performance metrics to track portfolio and model health

Provide leadership with strategic insights on credit trends, portfolio health, and emerging risks through analytics and reporting

Collaborate with Compliance, Legal, and Internal Audit to ensure all credit policies and practices meet regulatory and governance standards

Lead, mentor, and develop credit risk and data science teams to build capability and a culture of continuous learning and innovation

Represent Credit Risk in enterprise committees and contribute to company-wide risk and growth strategies

Partner with Loan Servicing, Collections, Fraud Strategy and Operations to align credit and fraud frameworks, balancing risk mitigation with customer experience

Integrate fraud indicators and identity data into underwriting models and acquisition strategies

Monitor emerging fraud trends and lead initiatives to strengthen predictive fraud controls through advanced analytics and real-time data

Qualification

Credit Risk ManagementCredit ModelingAIMachine LearningModel GovernancePortfolio OptimizationRegulatory ComplianceData IntegrationLeadershipStrategic ThinkingCross-Functional Collaboration

Required

Bachelor's degree in Business, Finance, Economics, Statistics, or related field (Master's or MBA preferred)

7+ years of experience in consumer lending or credit risk management with 3+ years in a leadership capacity

Proven experience managing underwriting and portfolio risk strategies for large-scale lending businesses

Strong background in credit modeling, AI/ML integration, and model lifecycle management

Experience with new data source identification, validation, and integration to improve model predictability

Demonstrated success developing and managing strategic roadmaps for credit risk organizations

Deep understanding of regulatory compliance related to credit decisioning and fair lending

Excellent communication, presentation, and leadership skills with the ability to influence senior executives

Preferred

Experience managing or overseeing direct mail and digital marketing acquisition risk programs is a plus

Company

Populus Financial Group

Populus Financial Group offers a range of financial products and services delivered through retail and digital channels.

Irving, Texas, USA

1001-5000 employees

http://www.populusfinancial.com

H1B Sponsorship

Populus Financial Group has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (10)

2024 (4)

2023 (9)

2022 (13)

2021 (11)

2020 (12)