Manager Credit Risk

Lead the charge to shape consumer credit risk strategy and drive sustainable growth. Oversee a team of analysts dedicated to evaluating credit risk across consumer lending portfolios. Define and enhance credit risk oversight processes, monitor portfolio performance, and develop data-driven strategies that optimize risk-adjusted returns. Collaborate cross-functionally to assess new products, refine underwriting approaches, and ensure alignment with the risk appetite and business goals. Lead with a strategic insight, analytical expertise, and innovative thinking to drive impactful solutions in a collaborative environment while contributing ideas and taking initiative to influence outcomes and deliver measurable results.

Essential Responsibilities

• Develop and refine underwriting guidelines for products including credit cards, auto lending, personal loans, and HELOCs, ensure alignment with our growth objectives and risk appetite
• Provide analytical support and risk assessment for the evaluation and launch of new products such as consumer lending
• Oversee and monitor key performance indicators (KPIs) such as automated approval rates, delinquency (DQ) and charge-off (CO) rates, and risk-adjusted return on assets (ROA) to identify trends and potential risks
• Analyze portfolio performance and make data-driven recommendations for portfolio-level changes to optimize risk and return
• Lead the development and refinement of credit policies, standards, and procedures, ensuring clarity and adherence to best practices
• Generate reports using tools like SQL, Excel, and Power BI to provide actionable insights
• Partner with the business unit such as consumer lending, as well as second-line credit risk, audit, and regulatory teams
• Coach, mentor, and develop staff, including overseeing new employee onboarding and providing career development planning and opportunities. Responsible for hire, fire, performance, discipline and problem-resolution decisions

Education & Years of Experience

• Minimum - 4 Year Bachelors Degree in Management, Business, Statistics or Related
• Minimum - 6 Years of Credit Risk, Consumer Lending Products or Related
• Preferred - 1 Years of People Management

In Lieu of Education

• 8 years of Experience in Credit Risk, Consumer Lending Products or Related including People Management

Compensation & Benefits:

Typical hiring range:‏‏‎
‎$143,300‏‏‎ ‎-‏‏‎ ‎$204,600 Annually. Actual compensation will be determined using factors such as experience, skills & knowledge.

Alliant provides a benefits package including health care, vision, dental, and 401k with employer match.

Additional Benefits:

• Annual performance bonus
• Work from home up to 3 days a week
• Paid parental leave
• Employee discount programs
• Time off including paid personal and sick days
• 11 paid holidays
• Education reimbursement

*Note that eligibility and cost of benefits can vary depending on the number of regularly scheduled hours, and job status such as regular full-time, regular part-time, or temporary employment.

Adhere to and ensure compliance of all business transactions with policy and process of the