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Unsecured Consumer Lending Risk Officer

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Legal, Compliance, & Risk
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TIAA Bank
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COMPANY OVERVIEW:

As a part of TIAA’s Financial Solutions business, TIAA Bank, a division of TIAA, FSB, provides full-service, nationwide banking and lending services to consumer, commercial and institutional clients through a variety of channels, including online, its Florida-based financial centers and at other business offices throughout the country.

 

POSITION SUMMARY:

 

 

Responsible for leading the unsecured lending risk function including the independent identification, measurement, and monitoring of credit losses across the Retail unsecured portfolios, oversight of operational and credit performance across the credit cycle (originations, servicing, portfolio management/performance, and collection effectiveness), analysis and evaluation of a variety of data sources in order to reduce the credit, financial and operational risk of the Bank’s Unsecured lending programs. Works with direction from the Chief Risk Officer and the Senior Risk Officer over the applicable area and is also responsible for monitoring risk exposures from existing and future business operations; the analysis and escalation of potential threats and events that could significantly impact the operational integrity of the Bank; direct action necessary to offset or remediate significant exposures. May manage and direct a Risk Team 

 

Key Responsibilities:

  • Maintain risk framework to identify, assess, and manage unsecured lending program risk. Provide proactive insights into trends, identify issues, and assess threats and opportunities across the portfolio and unsecured lending program operations. Maintain a rigorous performance monitoring framework and associated risk management dashboards that readily highlight areas of confidence and areas in need of further evaluation for resolution of concerns.
  • Utilize statistical and segmentation tools to develop/optimize risk management strategies for unsecured lending loan products.  May direct and evaluate independent empirical analysis of risks including; operational, credit and other financial risks. Performs analysis of key quantitative and qualitative factors influencing credit quality and overall unsecured loan risk profile
  • Acts as a risk advisor and helps guide sr. management in their risk management responsibilities.
  • Coordinates with QC teams to develop comprehensive testing program

 

QUALIFICATIONS:


Required:

  • 7+ years of experience in bank lending, risk management, loan review or quantitative financial analysis, with at least 6+ years in the unsecured credit space including credit cards and/or installment lending

 Desired:

  • Familiarity with statistical modeling and forecasting, portfolio P&L simulation, vintage profitability tracking and marginal expansion strategies, Experience working with machine learning/ AI/ credit decisioning models a plus


 

 

 


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