SVP, Chief Credit Risk Officer

• Define Strategy: Shape and execute an enterprise-wide credit risk strategy aligned with overall growth targets, risk appetite, and regulatory mandates.
• Executive Advisory: Serve as the primary credit risk advisor to the CRCO, senior executive leadership, and the Board of Directors.
• Committee Leadership: Chair or co-chair key governance bodies, including the Management Credit Committee and Allowance Committee, while actively contributing to Board-level committees.
• Governance Framework: Maintain and continuously refine the credit risk appetite framework, underwriting policies, and governance structure.
  
  

• Multi-Vertical Oversight: Direct credit strategy and underwriting across diverse lending products, including Commercial (CRE, C&I, SBA), Structured Finance, BaaS partnerships, marketplace lending, and payments.
• Reserves & CECL: Oversee CECL methodologies, mark-to-market valuation reserves, model assumptions, and qualitative overlays to maintain adequate capital reserves.
• Concentration & Stress Testing: Drive early warning systems, concentration risk limits, and comprehensive portfolio stress testing frameworks.
• Settlement Risk: Establish risk limits and reserve protocols for payment models, including ACH, Acquiring, and automated funding rails.
• Deal Challenge & Review: Provide high-level, independent challenge for large or complex commercial and structured finance transactions.
• Portfolio Analytics: Lead advanced vintage analysis, single-name reviews, and risk-adjusted return metrics to spot trends and mitigate emerging risks.
  
  

• AI & Automation: Harness Agentic AI, machine learning, and advanced automation to scale credit operations, boost analyst productivity, and modernise risk decisioning.
• API & Platform Integration: Partner with Product, Tech, and Ops teams to natively embed credit controls into automated lending workflows and API integrations.
• Tooling Excellence: Evaluate, implement, and maintain best-in-class internal and vendor-supplied risk analytics tools.
  
  

• Regulatory Relations: Serve as the primary credit lead for regulatory examinations and audits across regulatory bodies (e.g., OCC, FDIC, Federal Reserve, state regulators).
• Model Risk Management (MRM): Ensure full compliance with federal model governance guidance (e.g., SR 11-7 / SR 26-2).
• Compliance Alignment: Work hand-in-hand with the broader Compliance function to ensure seamlessly integrated credit and regulatory operations.
  
  

• Build & Retain Talent: Recruit, mentor, and scale a top-tier credit risk team spanning analytics, underwriting, portfolio management, and risk operations.
• Culture of Excellence: Promote a high-accountability, data-driven culture focused on continuous learning and disciplined decision-making.

• 15 years of progressive experience in credit risk management within banking, fintech, or financial services
• Deep expertise in consumer and/or commercial credit underwriting, portfolio management, and loss mitigation
• Strong understanding of regulatory frameworks governing bank lending and risk management
• Experience with models, and model related processes
• Experience with CECL/Allowance processes
• Experience with regulators (OCC/FDIC/Fed), and External Auditors/Rating Agencies
• Proven leadership with strong communication skills across all levels of the organization
• Bachelor's degree in Finance, Economics, Mathematics, or related field
  

Highspring LLC (d/b/a Vaco by Highspring) and its parents, affiliates, and subsidiaries ("we," "our," or "Vaco by Highspring") are committed to the full inclusion of all qualified individuals and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by applicable law. The company is also committed to ensuring that persons who need them are provided with reasonable accommodations; if an accommodation is needed to participate in the job application or interview process, please contact HR@vaco.com .

Vaco by Highspring also wants all applicants to know their rights that workplace discrimination is illegal.

By submitting to this position, you agree that you will be giving Vaco by Highspring the exclusive right to present your as a candidate for the foregoing employment opportunity. Additionally, you agree to be included in our talent pool for future hiring for similarly qualified positions. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. Lastly, you agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco by Highspring about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco by Highspring agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.

For residents of Ontario, Canada only: to the extent the position for employment is not with Highspring or not otherwise noted as vacant above, candidate should be informed that this role is to replace a presently employed person at Vaco by Highspring's client.

Vaco by Highspring respects your privacy and are committed to providing transparent notice of our policies.

• California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here.


• Virginia residents may access our state specific policies here.


• Residents of all other states may access our policies here.


• Canadian residents may access our policies in English here and in French here.


• Residents of countries governed by GDPR and UK GDPR may access our policies here.

Additionally, submissions to this position are subject to the use of AI to perform preliminary candidate screenings, focused on ensuring minimum job requirements noted in the position are satisfied. More details about Vaco by Highspring's use of AI can be found here (https://www.highspring.com/ai-use-notices/). Further assessment of candidates beyond this initial phase will be conducted by recruiters and hiring managers. Vaco by Highspring does not know and cannot opine on if its client's use of AI products in hiring.

Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to:

· the individual's skill sets, experience and training;

· licensure and certification requirements;

· office location and other geographic considerations; and

· other business and organizational needs.

With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses and/or participation in medical, dental, and vision benefits as well as the company's retirement plan (or similar retirement benefits).