Summary of the Job
The Director of Credit Risk will create, maintain, and monitor credit risk strategies for Unsecured Installment loans at FNBO. The role combines advanced analytical skills with strong business knowledge of unsecured loan products, and requires clear communication of complex topics. Key responsibilities include determining best‑in‑class credit strategies, managing projects through compliance and business review, overseeing UAT testing, and solving risk problems while maximizing partner and customer experience. This position is located in Omaha, NE and is an individual‑contributor role.
About This Role
The Director, Credit Management – UCL is a self‑starter who understands advanced credit risk concepts, applies them in practice, knows the FNBO data environment, and drives continuous improvement in the bank’s credit risk methodologies.
Key Accountabilities
Manage the unsecured loans business within the approved risk appetite.
Develop, obtain approval, implement, and manage credit strategies for unsecured installment loan products.
Evaluate and analyze portfolio performance, identify root causes for under‑performance, and drive improvement for high performance.
Communicate complex analysis and strategy recommendations clearly.
Collaborate with cross‑functional stakeholders to advance the unsecured installment loan business.
Work with Product, Technology, and Business teams to ensure quality and compliance of credit strategies.
Maintain a holistic view of how partners, products, terms, and channels impact expected credit performance.
Support internal and external audits by maintaining strong documentation.
Ideal Candidate for This Role
Bachelor’s degree in Statistics, Data Science, Mathematics, Finance, Business, or related field; advanced degree preferred.
8+ years of experience in credit analytics, risk management, or a related field.
3+ years of experience with analytical tools such as SQL and Python.
Demonstrated expertise in developing credit strategies.
Strong knowledge of industry regulations and compliance requirements.
Exceptional communication and leadership skills, with the ability to influence stakeholders at all levels.
Ability to direct the resolution of highly complex or unusual business problems.
Proven track record of sound decision‑making practices.
Ability to manage competing, and at times complex, priorities in fast‑paced environments.
Compensation
Compensation range (base pay): $97,774.00 – $166,216.00. Final compensation may vary based on work experience, education, and/or skill level.
Work Environment
The incumbent will work remotely with flexibility, remaining fully integrated into the team through digital collaboration tools and regular communication. Remote work may be performed from any of the states listed on the job posting, with occasional travel for in‑person meetings. Work location is subject to change based on business needs.
Benefits Overview
Medical, Dental, Vision Insurance
401(k) with matching contributions
Time off programs
Health Savings Account (HSA) / Dependent Care
Employee banking
Growth opportunities
Tuition assistance
Short‑term and long‑term disability insurance
Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.
Equal Opportunity & Belonging
FNBO believes that the quality of our employee experience is at the heart of our customer experience. A key pillar of our employee experience is belonging, which means fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
FNBO follows federal law regarding the use of marijuana (this applies to all non‑California applicants).
Application Deadline
All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
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