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Enterprise Reporting and Analytics

•Director

•Credit Risk & Analytics Req #8555 8945 Cal Center Dr, Sacramento, CA 95826, USA Apply Share Job Description Posted Monday, October 19, 2026 at 6:00

AM Job Title:

Director

•Analytics and Risk

•

Consumer Lending Status:

Exempt Reports to: VP

•

Credit Risk and Analytics Department:

Enterprise Reporting and Analytics Job Code:

11493

Pay Range:

$172,900.00

•$190,000.00

Annually Location:

Hybrid in Sacramento, CA

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of "people helping people." We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

You have expertise in areas of the credit lifecycle such as account originations, pricing and credit line assignment, credit product marketing and/or account management or collections strategies. You lead enterprise credit risk management efforts, ensuring effective oversight of portfolio performance, risk exposure, and credit policy with an eye on returns. You leverage data, analytics, and industry expertise to identify emerging risks, strengthen risk controls, and support sound lending decisions around product, risk, pricing, and marketing strategies. You have strong hands-on skills in using SAS, SQL, Python or R to manipulate data to draw insights. You collaborate with business leaders to translate credit risk insights into strategies that protect assets, support growth, and maintain a strong risk culture. You demonstrate strong project management skills, including the ability to prioritize tasks, manage timelines, and deliver results in a fast-paced environment

WHAT YOU'LL DO

Understand, evaluate and direct Golden 1's credit products, underwriting, related lending policies, risk profile, portfolio and product concentration risks, including geographic, industry, risk rating methodology, and other aggregate credit characteristics. Provide guidance, mentorship, and leadership to a team of analytics/risk associates, fostering a collaborative, engaging, and innovative work environment. Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision and core values. Responsible for ensuring the creation, implementation and reevaluation of best practice credit risk-related procedures and policies throughout the credit union. Perform risk reviews as needed for member products and services. Contribute to enhancing loan policies as needed to fulfill credit risk functions and goals. Monitor and evaluate ongoing performance of custom score (AI) models used in the loan decisioning process. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.

QUALIFICIATIONS AND PREFERENCES

Bachelor's Degree in a quantitative discipline or equivalent work experience required 10+ years as a Lender or in Credit Risk Analytics or Credit Administration at a financial institution. Demonstrated experience performing retail credit risk management functions with deep expertise in account originations, pricing and credit line assignment, credit product marketing and/or account management or collections strategies required

WHY JOIN US

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best. Please view the full job description detailing the complete list of duties and expectations for this role by clicking or copying this URL into your browser: https://golden1.jdxpert.com/ShowJob.aspx?

EntityID=2&id=2214 DISCLAIMER/INTENT

AND FUNCTION OF JOB DESCRIPTIONS

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union's discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor. Job Details Job Family Director Job Function Director Pay Type Salary Employment Indicator Flex/Hybrid Hiring Min Rate 172,900 USD Hiring Max Rate 190,000 USD Scan this QR code and apply! Download 8945 Cal Center Dr, Sacramento, CA 95826, USA