Chief Risk Officer
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
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