Director, Credit Risk Oversight - Consumer Lending (2nd Line of Defense) (Fintech)

TL;DR

Director, Credit Risk Oversight (Fintech): Providing independent second line of defense (2LOD) oversight and governance for unsecured and secured personal loan products with an accent on credit underwriting, pricing, and portfolio performance. Focus on ensuring alignment between growth initiatives and risk appetite while maintaining strict adherence to consumer lending regulations.

Location: Hybrid in Wilmington, DE

Company

A tech-enabled financial platform, now part of Barclays, providing innovative lending solutions and financial health tools.

What you will do

• Provide independent 2LOD oversight and challenge of credit underwriting, loan amounts, pricing, and portfolio strategies.
• Monitor portfolio performance across originations and vintages to identify emerging risks and concentration opportunities.
• Review marketing and growth strategies to ensure alignment with credit risk appetite and portfolio objectives.
• Ensure compliance with consumer lending and fair lending regulations, including ECOA, FCRA, and UDAAP.
• Develop credit risk reporting, insights, and dashboards to escalate material risks and control gaps.
• Oversee new credit strategies and product launches, including the deployment of AI/ML models.

Requirements

• 10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending.
• Direct experience managing or overseeing first or second line of defense (2LOD) credit risk functions.
• Strong knowledge of consumer lending regulations (ECOA/Reg B, FCRA, UDAAP).
• Proven ability to analyze portfolio performance and credit trends.
• Advanced analytical and quantitative skills with a strong risk and control mindset.

Nice to have

• Experience in a FinTech and/or regulated banking environment.
• Exposure to digital lending, alternative data, or advanced analytics/ML models.
• Experience addressing fair lending and model governance risks.

Culture & Benefits

• Culture grounded in putting people first, creating clarity, and delivering with excellence.
• Expanded growth and career mobility opportunities across the global Barclays organization.
• Inclusive environment committed to diversity, integrity, and equal opportunity.
• Fast-paced, data-driven FinTech work environment.