Role Title: Credit Risk Strategy Specialist – Commercial/Small Business Lending
Work Location: Remote, US (Preferably in East Coast, should be open to occasional travel in the East Coast for important client meetings in New York/ New Jersey/ Delaware Area
About the Role
Credit Risk Practice works with leading banks, fintechs, and financial institutions to design and implement advanced risk management strategies. Client is seeking a Credit Risk Strategy Specialist with deep expertise in Commercial or Small Business Lending to drive credit strategy development, portfolio management, and risk optimization across products such as Commercial Cards, Corporate Card Programs, Small Business Cards & Loans, Commercial Payments. Commercial Lines of Credit (LOC) - Secured / Unsecured; experience with Equipment Lending, Mortgage, HELOC is a plus.
This role requires deep analytical expertise, strong business acumen, and the ability to translate data-driven insights into effective risk strategies that balance growth and profitability within client risk appetite. Additionally, it requires strong consultative and relationship-building skills with ability to influence senior stakeholders.
Key Responsibilities
- Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections).
- Perform detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.
- Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques.
- Deliver MIS reports, dashboards, and performance reviews to monitor portfolio trends, assess strategy effectiveness, and inform business decisions.
- Collaborate with client stakeholders and cross-functional teams (Product, Finance, Operations, Compliance, Technology) to align credit strategies with business objectives.
- Monitor regulatory and governance requirements, ensuring all strategies adhere to compliance and audit standards.
- Drive innovation by leveraging new data sources, advanced analytics, and automation to strengthen credit risk capabilities.
- Provide insights and recommendations to senior leadership on portfolio performance, emerging risks, and forward-looking strategies.
- Build and nurture long-term client relationships by understanding business needs and positioning Client’s credit risk solutions effectively.
- Identify opportunities to expand engagements through cross-sell/up-sell of analytics, modeling, and risk consulting services.
- Partner with business development teams to support proposal creation, client pitches, and delivery of value-driven outcomes.
Qualifications
- Bachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Master’s preferred.
- 6+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services.
- Strong expertise in commercial lending or small business lending products (like Commercial Cards, Corporate Card Programs, Small Business Cards & Loans, Commercial Payments. Commercial Lines of Credit (LOC) - Secured / Unsecured) and credit lifecycle strategies.
- Experience with Equipment Lending, Mortgage, HELOC is a plus.
- Proficiency in SQL, Python / SAS (Tableau is a plus).
- Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.
- Ability to synthesize complex analysis into clear recommendations for senior management.
- Strong communication, presentation, and stakeholder collaboration skills.
- Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.
- Preferred: Experience leveraging alternative data and innovative analytical approaches in credit strategy development.
- Proven experience in managing client accounts with a track record of delivering measurable impact.
- Business development mindset with experience in proposal writing, solutioning, or contributing to revenue growth initiatives.
Other Important Terms
- Applicants must be legally authorized to work in the United States.
- Any employment offer may be contingent upon job-related screening, employment eligibility verification and other requirements permitted by applicable law.
- Following a conditional offer of employment, candidates may be required to complete job-related background screening, which may include criminal history checks and/or drug testing, as applicable and permitted by federal, state, and local law.