Home Improvement Financing Risk Manager

About This Role

Manage credit, operational, and third-party risks for the unsecured home improvement lending portfolio. Evaluate lending performance, monitor partner and contractor risk, and ensure responsible growth and compliance.

Responsibilities

• Directs compliance reviews and provides oversight of legal entities, business units, and processes
• Advises leadership on key business and/or product decisions
• Provides requested information to regulatory agencies and advises management on potential and ongoing compliance issues
• Maintains expert level knowledge of rules and regulations and their impact on products, services and operations for a specific line of business
• Oversees the resolution of complex problems or transactions, where expertise is required to interpret against policies, guidelines or processes
• Oversees a monitoring and testing program to ensure effective compliance with all applicable laws and regulations
• Manages creation and delivery of training to assigned business area to increase compliance awareness
• May supervise day-to-day work of other professional level compliance associates
• May contribute to workflow or process change and redesign, and risk and control identification

Requirements

• Bachelor's degree
• 10+ years experience in compliance, quality assurance/control, audit or other related compliance function in a line of business
• Knowledge of legal and regulatory environment as it relates to compliance in a particular line of business
• Proficiency in Microsoft Office Suite

Qualifications

• Bachelor's degree
• ten (10) years experience in compliance, quality assurance/control, audit or other related compliance function specific to a line of business

Nice to Have

• Masters degree
• Certified Regulatory Compliance Manager Certification (CRCM)
• 5–7+ years of experience in consumer lending risk, indirect/third‑party lending, or specialty financing programs
• Background in home improvement financing, contractor networks, or point‑of‑sale lending models
• Experience with third‑party/vendor oversight, including performance monitoring, scorecard development, and risk assessments
• Advanced analytical capability, including experience building dashboards, risk models, segmentation strategies, or early‑warning indicators
• Familiarity with risk frameworks such as ORM, RCSA, control testing, and issue remediation
• Hands‑on experience with portfolio management tools (e.g., Python, R, Tableau, Power BI, SAS, SQL)
• Prior credit policy or underwriting strategy experience, especially in unsecured lending environments
• Knowledge of contractor acquisition, dealer management, or channel‑based lending programs
• Experience partnering with Compliance, Legal, and Product teams to implement policy changes, resolve findings, or support audits
• Strong project management skills, including ability to lead risk initiatives, process enhancements, and cross‑functional improvements

Skills

* Required skills

Benefits