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Director Credit Risk Jobs (NOW HIRING)

Regional Finance

Director, Credit Risk

Plano, TX · On-site

About the Role The Director, Credit Risk Management, leads the development and execution of credit risk strategies across the organization, with responsibility for originations and underwriting ...

Regional Finance

Director, Credit Risk

Plano, TX

About the Role The Director, Credit Risk Management, leads the development and execution of credit risk strategies across the organization, with responsibility for originations and underwriting ...

Sallie_mae

Director, Credit Risk

Newark, DE

What You'll Contribute The Director, Credit Risk will be responsible for overseeing and managing our credit risk management strategies to ensure that credit risks are properly assessed, monitored ...

Sallie Mae

Director, Credit Risk

Newark, DE · On-site

What You'll Contribute The Director, Credit Risk will be responsible for overseeing and managing our credit risk management strategies to ensure that credit risks are properly assessed, monitored ...

Brex

Director, Credit Risk

San Francisco, CA · Hybrid

$231K - $289K/yr

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Brex

Director, Credit Risk

Salt Lake City, UT · Hybrid

$198K - $247K/yr

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Brex

Director, Credit Risk

Seattle, WA · Hybrid

$231K - $289K/yr

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Brex

Director, Credit Risk

San Francisco, CA · On-site

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Brex

Director, Credit Risk

Seattle, WA · On-site

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Brex

Director, Credit Risk

New York, NY · Hybrid

$231K - $289K/yr

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Brex

Director, Credit Risk

New York, NY · On-site

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Brex

Director, Credit Risk

Salt Lake City, UT · On-site

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Carmax

Director, Credit Risk & Analytics

Atlanta, GA

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest used-car retailer, CarMax Auto Finance (CAF) is the leader in making car financing simpler, fairer ...

Carmax

Director, Credit Risk & Analytics

Kennesaw, GA · On-site

$148K - $237K/yr

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest used-car retailer, CarMax Auto Finance (CAF) is the leader in making car financing simpler, fairer ...

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Director Credit Risk information

See salary details

$84.5K

$156.3K

$301.5K

How much do director credit risk jobs pay per year?

As of Jul 16, 2026, the average yearly pay for director credit risk in the United States is $156,315.00, according to ZipRecruiter salary data. Most workers in this role earn between $104,500.00 and $188,000.00 per year, depending on experience, location, and employer.

What are some common challenges faced by a Director of Credit Risk and how can they be addressed?

A Director of Credit Risk often faces challenges such as balancing risk appetite with business growth goals, staying ahead of evolving regulatory requirements, and managing credit exposures in volatile markets. To address these, it's essential to foster strong collaboration with business units, maintain robust credit risk frameworks, and leverage data analytics for proactive decision-making. Continuous professional development and close communication with compliance and audit teams also help ensure that credit policies remain effective and up-to-date.

What are the key skills and qualifications needed to thrive as a Director of Credit Risk, and why are they important?

To thrive as a Director of Credit Risk, you need deep expertise in credit analysis, risk management, and financial modeling, usually supported by a degree in finance, economics, or a related field. Familiarity with risk assessment software, credit scoring systems, and regulatory compliance tools, along with certifications like CFA or FRM, is highly valued. Strong leadership, strategic thinking, and communication skills help drive cross-functional collaboration and effective risk mitigation. These competencies are crucial for making informed credit decisions that protect the organization's financial health and comply with regulatory standards.

What does a Director of Credit Risk do?

A Director of Credit Risk is responsible for overseeing an organization’s credit risk management strategies and policies. They analyze credit data, assess potential risks in lending or credit activities, and work to minimize losses related to bad debts. This role often involves leading a team, setting risk tolerance levels, and ensuring compliance with regulatory requirements. Directors of Credit Risk also collaborate with other departments to align risk management with the company's overall business objectives.

What is the difference between Director Credit Risk vs Credit Analyst?

AspectDirector Credit RiskCredit Analyst
CredentialsBachelor's/Master's in Finance, Economics, or related; often requires experience in credit risk managementBachelor's degree in Finance, Economics, or related; entry-level to mid-level roles
Work EnvironmentStrategic, leadership-focused, overseeing credit risk policies and teamsAnalytical, research-focused, assessing individual credit applications and risk
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, credit bureaus

The main difference is that a Director Credit Risk leads and develops credit risk strategies at a high level, while a Credit Analyst focuses on evaluating individual credit applications and assessing risk at a more operational level. The Director role involves strategic oversight, whereas the Credit Analyst role is more analytical and detail-oriented.

More about Director Credit Risk jobs
What cities are hiring for Director Credit Risk jobs? Cities with the most Director Credit Risk job openings:
What are the most commonly searched types of Credit Risk jobs? The most popular types of Credit Risk jobs are:
What states have the most Director Credit Risk jobs? States with the most job openings for Director Credit Risk jobs include:
What job categories do people searching Director Credit Risk jobs look for? The top searched job categories for Director Credit Risk jobs are:
Director Credit Risk jobs near you
Infographic showing various Director Credit Risk job openings in the United States as of July 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $156,315 per year, or $75.2 per hour.
Director, Credit Risk

Director, Credit Risk

Regional Finance

Plano, TX • On-site

Full-time

Re-posted 18 hours ago

Regional Finance rating

6.9

Company rating: 6.9 out of 10

Based on 30 frontline employees who took The Breakroom Quiz

131st of 148 rated financial services

Job description

Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times.
We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team.
If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board!
About the Role
The Director, Credit Risk Management, leads the development and execution of credit risk strategies across the organization, with responsibility for originations and underwriting, portfolio analytics, business performance reporting, and risk strategy development. This role oversees the design, implementation, and governance of enterprise-wide credit policies and underwriting standards to ensure sound risk management practices. The Director drives data-driven decision-making to optimize portfolio performance, balancing growth objectives with risk appetite and established performance targets. As a senior leader, this individual provides strategic insights and recommendations grounded in advanced analytics and a deep understanding of credit risk dynamics across consumer lending products, supporting sustainable business growth and portfolio quality.
What You'll Do
Credit Strategy & Portfolio Leadership
  • Lead the design and execution of credit risk strategies across originations and underwriting
  • Optimize portfolio performance while balancing growth, loss targets, and risk appetite
  • Oversee portfolio monitoring, forecasting, and performance analytics

Risk Governance & Policy
  • Establish and evolve enterprise credit policies, underwriting standards, and governance frameworks
  • Ensure compliance with regulatory expectations and internal risk controls
  • Partner with Compliance, Audit, and Asset Review to maintain strong risk oversight

Analytics & Insights
  • Deliver data-driven insights on portfolio health, including delinquency trends, loss performance, and profitability
  • Lead stress testing and scenario analysis to evaluate portfolio resilience
  • Identify emerging risks, performance anomalies, and optimization opportunities

Advanced Modeling & Data Utilization
  • Leverage traditional and alternative data to enhance credit decisioning
  • Apply advanced analytical techniques (regression, segmentation, clustering) to improve risk strategies
  • Oversee model development, validation, and performance monitoring

Business Partnership & Leadership
  • Advise executive leadership on credit risk exposure and strategic decisions
  • Partner with business leaders to align risk strategies with growth objectives
  • Lead initiatives that improve underwriting effectiveness and segmentation

What You Bring
Required Qualifications
  • Bachelor's degree in Statistics, Economics, Data Analytics, Mathematics, or related field
  • 6+ years of experience in credit risk, consumer finance, or analytics
  • Strong experience with data analysis and modeling (SAS, R, Python, SQL)
  • Proven ability to translate complex analytics into business insights

Preferred Qualifications
  • Experience in consumer lending or financial services
  • Background in marketing analytics or risk model development
  • Experience leading enterprise-level credit strategies

Key Strengths
  • Strategic thinker with strong business acumen
  • Exceptional communication skills (translating analytics → executive insights)
  • Strong analytical and problem-solving capabilities
  • Ability to operate in a fast-paced, data-driven environment
  • Collaborative and influential leadership style

Direct Reports
3-5 direct reports.
If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: https://regionalfinance.com/wp-content/uploads/2022/11/UPDATED-Employee-Privacy-Policy-11.2022.pdf
Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law ("Protected Characteristics"). Regional's policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.

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