Vice President, Consumer Credit Risk & Counterparty Credit Risk Greater New York City, NY Area

The Company is seeking a Vice President of Consumer Credit Risk and Counterparty Credit Risk to provide second-line oversight of retained consumer portfolios, payments, and structured financing risks. The role involves identifying, assessing, measuring, and managing credit risk, while independently reviewing partner-originated consumer assets and challenging first-line and partner risk teams. Responsibilities include enhancing the credit risk appetite framework, developing risk metrics and reporting, reviewing underwriting and portfolio management processes, and monitoring retained loan portfolios and structured credit facilities. The successful candidate will approve limits and reserve settings and escalate significant or emerging risks to senior leadership. Candidates should have at least 15 years of leadership experience in consumer lifecycle risk management, including underwriting, portfolio management, collections, and recoveries. Experience with profitability-based risk-reward assessments, model-based frameworks, unsecured consumer products, and end-to-end prime-to-subprime portfolio management is required; secured lending experience is an advantage. Familiarity with payments, relevant payment network rules, stress testing, and consumer regulatory requirements is also expected. A quantitative or related degree, strong business acumen, and the ability to manage competing priorities under pressure are required.

Hiring Company

Cross River