I am currently working with a fast growing subprime auto finance company on a Chief Risk Officer role. This position reports directly into the CEO and will play a critical role in shaping and refining credit models, pricing frameworks, and decisioning systems that directly influence profitability and portfolio performance.
They're looking for a hands-on, impact-driven leader who can roll up their sleeves, own key initiatives, and deliver measurable impact.
Core Responsibilities
• Own credit risk strategy, including development, deployment, and governance of a next‑generation risk model
• Define modeling objectives and oversee internal and external resources through validation and ongoing monitoring
• Monitor portfolio performance, credit policy effectiveness, and emerging risk trends
• Own pricing strategy, including risk‑based tiering, rate structures, and profitability management
• Evaluate pricing performance and market dynamics; drive data‑backed adjustments
• Partner cross‑functionally to align risk, pricing, and growth objectives
• Analyze loss drivers, roll rates, and portfolio health across the credit lifecycle
• Support forecasting, loss estimation, and performance reporting
• Build and maintain a scalable, right‑sized risk governance framework
• Ensure credit and pricing practices meet regulatory and audit expectations
• Deliver clear, executive‑level risk and portfolio reporting
• Lead a small, high‑impact team while remaining hands‑on with analysis (SQL, R/Python)
• Translate complex analytics into actionable recommendations for senior leadership
Experience & Qualifications
Required
• 7-10+ years of experience in subprime auto finance, consumer lending, or a closely related credit risk environment.
• Strong expertise in credit risk analytics, pricing strategy, and portfolio monitoring
• Experience leading credit model development initiatives end‑to‑end, including requirements definition, vendor evaluation and selection, validation, implementation, and ongoing performance monitoring and governance.
• Hands‑on analytical capability using SQL and R or Python
• Ability to communicate complex quantitative concepts to non‑technical stakeholders
Preferred
• Experience with BI or visualization tools
• Background in collections analytics, loss forecasting, or operational risk
• Familiarity with regulated lending environments
• Prior leadership of small, high‑performing analytical teams
• Advanced degree or professional certifications a plus
