Svp, Credit Risk Management

SVP, Credit Risk Management

Remote Position: Full Time, Monday-Friday 8:00-4:30 Pacific Time

Exempt Salary Range: $231,000-$301,000. Position eligible for additional incentives including bonus, 401(k) match, health and welfare benefits, amazing culture, growth opportunity and more!!

Corporate Headquarters: San Diego, CA

JOB SUMMARY:

National Funding is continuing to grow and has a great opportunity for an SVP, Credit Risk Management. National Funding has been established over 25 years and we are a financially strong, very stable, and fast growing fintech company that serves the small business community. We are currently looking for an SVP, Credit Risk Management, who shares our vision of building sophisticated credit risk strategies to advance small business lending and access to responsible credit. In this role you will lead a team developing credit and pricing strategies through sophisticated analytical methods, leveraging data from consumer and commercial lending data sources. This role will report to the Chief Risk Officer and will manage end-to-end engagements from conception to analytics and subsequent rollout. This person will be responsible for supporting business verticals in optimizing approval rates, take rates, and unit economics, through development and implementation of innovative credit and pricing strategies.

What You’ll Be Doing:

• Lead key channels from risk perspective and conduct sophisticated analytics to build best-in-class credit and pricing strategies for unsecured credit portfolios. These strategies will enable lending decisions for hundreds of s every month small businesses every month.

• Work with finance, operations, sales and collections to deliver upon targeted credit performance and risk adjusted returns.

• Strong background in leveraging multiple complex data sources such as credit bureau information, cash flow information, customer supplied information, and alternative data sources at a large scale to build sophisticated credit strategies.

• Collaborate with internal engineering, product, and operations teams to implement analytical solutions into production.

• Lead teams to diagnose credit performance trends, and drive loss mitigation and pricing decisions, enabling swift business decisions.

An Ideal Candidate Looks Like This:

• Bachelors in a quantitative field (e.g., Mathematics, Data Science, Statistics, Economics, Finance, etc.). Master’s degree preferred.

• 10+ years of credit risk management experience preferred in a Bank or FinTech.

• Deep knowledge of consumer and small business credit risk trends and credit risk and/or pricing analytics.

• Strong statistical and analytical skills and prior experience leveraging large and complex datasets for driving business decisions.

• Strong communication and interpersonal skills. Ability to collaborate with cross-functional teams and build strong relationships.

• Ability to work in a fast-paced environment.

Core Competencies:

• Attention to Detail: Diligently attends to details and pursues high standards in accomplishing tasks.

• Communications: Exhibits strong listening and presentation skills. Ability to communicate complex concepts in simpler form to a broader business audience.

• Teamwork: Exceptional skills in collaborative teamwork, attention to detail, and strong interpersonal skills.

• Problem Solving: Strong decision making and problem-solving skills and a can-do approach to issues.

Why National Funding?

• Growing, successful company preparing to almost double in size over the next three years (this is your opportunity to get in on the ground floor)

• Positive, energetic, passionate, business casual environment with management who committed to your success

• Fantastic benefits package including a 401(k) match

• Numerous employee events throughout the year, including our annual traditions such as a Day at the Del Mar Racetrack, Holiday Party, Employee and Family Picnic, sporting events and more.

National Funding serves the small business community. Since 1999, we have provided more than $3 billion in funding to over 50,000 customers to support their working capital and equipment financing needs. We are one of the country's largest private providers of small business loans, having funded more than $3 billion to help small businesses grow. Our personal approach helps strengthen small business owners and we pride ourselves on being a resource they can trust. We are believers in small business owners.

National Funding is an Equal Opportunity Employer.