About the Role

KOHO is growing, and we're on the hunt for a Director of Credit Risk. As a key player reporting to the Chief Risk Officer, you'll spearhead the conception, implementation, and continuous oversight of our credit program. While focusing primarily on Credit Risk Management, any background in Fraud Management would be a plus. This role provides exposure to various risk management facets and a chance to leave a lasting mark on our organization.

What You'll Do

• Develop strategies and controls to manage areas of credit risk
• Design and launch consumer credit lending programs
• Lead build vs buy decisions, identifying external partners where appropriate
• Conduct and lead analysis to determine target loss rates, and execute on strategies to hit those targets
• Work with credit bureaus and other alternative information sources to incorporate essential data into credit decisions
• Lead the development of credit adjudication and limit assignment models
• Represent the credit risk function on company projects, proactively identifying areas of risk and working with stakeholders to develop solutions
• Ensure adherence to policies and processes related to retail lending
• Continually improve on tracking and monitoring of credit data at a portfolio level
• Develop and improve on collections programs

Who You Are

• Proven experience in Credit Risk management within a financial institution
• Experience with the use of alternative data approaches to predict risk
• Strong analytical and problem-solving skills
• An ability to see the big picture while being comfortable with day-to-day responsibilities
• Clear and effective verbal and written communication skills
• The ability to manage and track multiple priorities
• Advanced Excel skills
• Proficiency in SQL is nice to have
• Predictive Modeling experience would be an asset in the role
• People management experience is nice to have
• Experience navigating regulatory frameworks around lending
• Exposure to fraud management, particularly new account/identity fraud, will be considered an asset