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Director Credit Risk Management Jobs (NOW HIRING)

FTL Finance

Director, Credit Risk

Saint Charles, MO · On-site +1

As Director, Credit Risk, you will directly impact portfolio performance by reducing delinquencies ... Define and manage portfolio-level targets for loss, yield, and risk-adjusted returns, ensuring ...

FTL Finance

Director, Credit Risk

Saint Charles, MO · On-site

As Director, Credit Risk, you will directly impact portfolio performance by reducing delinquencies ... Define and manage portfolio-level targets for loss, yield, and risk-adjusted returns, ensuring ...

The Hartford

Director, Credit Risk

Hartford, CT · On-site

$132K - $198K/yr

This Director level role serves as a senior subject matter expert in credit risk, financial ... Provide broker training, as needed, on credit risk and collateral management for complex large ...

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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 ... Master's degree preferred * 8-10 years of proven credit policy and/or credit risk management ...

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All JobsDirector Credit Risk Management Jobs

Director Credit Risk Management information

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$54K

$143.2K

$260K

How much do director credit risk management jobs pay per year?

As of Jun 25, 2026, the average yearly pay for director credit risk management in the United States is $143,185.00, according to ZipRecruiter salary data. Most workers in this role earn between $105,500.00 and $167,500.00 per year, depending on experience, location, and employer.

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

AspectDirector Credit Risk ManagementCredit Risk Analyst
Required CredentialsBachelor's degree, often advanced degrees, certifications like CFA or FRMBachelor's degree, certifications like CFA or FRM are common but less mandatory
Work EnvironmentStrategic leadership, overseeing teams, high-level decision makingData analysis, risk assessment, supporting senior staff
Employer & Industry UsageFinancial institutions, banks, large corporationsFinancial institutions, banks, credit agencies

The main difference between a Director Credit Risk Management and a Credit Risk Analyst lies in their scope and responsibilities. The director focuses on strategic oversight and leadership, while the analyst handles detailed risk assessments. Both roles require relevant certifications and are integral to credit risk management in financial institutions.

What are common challenges faced by a Director of Credit Risk Management, and how are they typically addressed?

A Director of Credit Risk Management often faces the challenge of balancing the organization's growth objectives with prudent risk controls. This involves staying ahead of changing market conditions, regulatory requirements, and emerging risks such as economic downturns or shifts in customer behavior. Effective leaders in this role address these challenges by fostering close collaboration with cross-functional teams such as underwriting, analytics, and compliance, and by implementing robust risk assessment frameworks. They also play a key role in developing and mentoring their teams to stay adaptable and informed.

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

To thrive as a Director of Credit Risk Management, you need deep expertise in credit analysis, risk assessment, portfolio management, and typically a degree in finance, economics, or a related field. Proficiency with risk modeling software, credit scoring systems, and relevant regulatory frameworks (such as Basel III) is essential, along with certifications like FRM or CFA being advantageous. Strong leadership, strategic thinking, and effective communication skills help you guide teams and influence key stakeholders. These capabilities are crucial for making informed decisions that protect the organization's financial health and support sustainable growth.

What does a Director of Credit Risk Management do?

A Director of Credit Risk Management oversees an organization’s credit risk policies, procedures, and strategies to minimize potential losses related to lending or credit activities. This role involves analyzing credit data, assessing financial risks, developing risk mitigation strategies, and ensuring compliance with regulatory standards. Directors also lead teams of risk analysts, collaborate with other departments, and report to executive leadership on credit risk exposure and performance. Their main goal is to balance business growth with sound risk management practices.
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Director Credit Risk Management jobs near you
Infographic showing various Director Credit Risk Management job openings in the United States as of June 2026, with employment types broken down into 1% Internship, 1% As Needed, 78% Full Time, 9% Part Time, 1% Temporary, and 10% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $143,185 per year, or $68.8 per hour.
Director, Credit Risk

Director, Credit Risk

FTL Finance

Saint Charles, MO • On-site, Remote

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 13 days ago

Job description

FTL Finance is seeking a highly analytical and strategic leader to drive the next phase of our credit and portfolio strategy. This role sits at the center of growth, risk, and profitability –– owning how we evaluate, price, and scale our lending portfolio.

As Director, Credit Risk, you will directly impact portfolio performance by reducing delinquencies through smarter underwriting and data-driven decisions; building dynamic, risk-based pricing frameworks to improve returns; and identifying and launching new lending opportunities across home improvement verticals. This is a high-visibility position with the opportunity to shape credit strategy, influence executive decision-making, and drive measurable financial outcomes.

Since 1996, FTL Finance has specialized in financing for residential HVAC and other home improvement projects. Based in the heart of Missouri, we take pride in empowering thousands of hardworking contractors nationwide to elevate their businesses and increase sales. At FTL Finance, our mission to make home improvement easier on everyone is demonstrated in our dedicated support teams, robust digital tools, and programs to help homeowners with all types of credit.

Join our team, where your expertise and strategic contributions will be welcomed in an environment that fosters growth, innovation, and success. Be part of a team that makes a real difference in the lives of contractors and homeowners across the nation!

This position is based in St. Charles, MO.

What You'll Do:

  • Own portfolio performance by analyzing cohort, vintage, and real-time trends to identify risks and opportunities across all credit tiers –– from prime to near-prime and credit-challenged customers
  • Develop and refine credit risk segmentation frameworks to improve risk differentiation, uncover mispriced or underperforming segments, and responsibly expand approvals in underserved or under-optimized segments
  • Define and manage portfolio-level targets for loss, yield, and risk-adjusted returns, ensuring alignment with business objectives
  • Design and implement dynamic, risk-based pricing strategies to optimize portfolio economics and capital allocation, balancing growth, risk, and profitability while improving offer attractiveness and customer acceptance
  • Lead development and enhancement of predictive credit models (PD / Expected Loss), incorporating new data sources to sharpen underwriting accuracy and reduce delinquencies through low-friction approaches that preserve a simple customer experience
  • Establish governance and structured testing frameworks (e.g., A/B testing, pilot programs) to validate strategy changes and drive disciplined decision-making
  • Evaluate and size opportunities to expand into new home improvement verticals, providing strategic recommendations on capital deployment
  • Translate analytics into executive-level insights while building scalable reporting, automation, and decision frameworks that elevate analytical rigor, drive innovation, and support continuous improvement across the organization

What You'll Bring:

  • 8+ years of experience in credit risk, portfolio strategy, or risk-based pricing within consumer lending, fintech, or specialty finance
  • Proven track record of owning portfolio-level decisions and driving measurable improvements in performance (e.g., reducing losses, improving pricing, increasing returns)
  • Hands-on experience translating credit performance insights into underwriting, pricing, or policy changes that deliver business impact
  • Deep expertise in consumer credit risk modeling frameworks (PD, LGD, Expected Loss) and portfolio analysis (e.g., vintage, cohort trends)
  • Experience designing and implementing risk-based pricing strategies, including market benchmarking and return optimization
  • Strong analytical and problem-solving skills, with the ability to work directly with data and guide model development
  • Ability to communicate complex analytical concepts clearly and influence stakeholders across credit, finance, and executive leadership
  • Experience building or improving scalable processes, reporting, or automation to enhance decision-making and efficiency
  • Demonstrated ownership mindset with the ability to operate independently and drive initiatives from concept through execution
  • Strong technical fluency with the ability to partner effectively with analytics and data teams

What You'll Get:

  • A dynamic, fast-paced, fun and inclusive work environment (with always-stocked snacks and beverages!)
  • Annual company parties and fun team events
  • Growth and development opportunities
  • Hybrid work arrangement (3 days in-office/2 days remote)
  • Monthly team celebrations and luncheons
  • Excellent offerings under our group benefit plans for medical, dental, vision, FSA, etc.!
  • 401K plan with a company match of up to 4%!
  • Generous Paid Time Off (PTO) plus 13 paid holidays