Director, Credit Risk - Unsecured Consumer Loans, Hybrid On-site, Omaha

Director, Credit Risk - Unsecured Consumer Loans, Hybrid On-site, Omaha Omaha, NE Job Details Full-time $97,774 - $166,216 a year 11 hours ago Benefits Health savings account Disability insurance Health insurance Dental insurance Flexible spending account Tuition reimbursement Vision insurance 401(k) matching Qualifications Statistics Bachelor's degree in statistics Credit risk assessment Bachelor's degree in finance Bachelor's degree in business Mathematics Finance 8 years SQL Bachelor's degree Continuous improvement Decision making Industry knowledge of financial regulations Risk management User acceptance testing Lending Banking product expertise Root cause analysis Bachelor's degree in mathematics Data analytics tools Senior level Cross-functional collaboration Business Leadership Communication skills Project stakeholder communication Python Cross-functional communication Internal audits Bachelor's degree in data science Credit analysis Data Science Stakeholder management Database software proficiency Full Job Description At FNBO, our employees are the heart of our story—and we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success. Summary of the

Job:

The Director of Credit Risk will be responsible for creating, maintaining, and monitoring the credit risk strategies for Unsecured Installment loans of FNBO. This role requires the combination of excellent analytical expertise with strong business knowledge of unsecured loan products and clear communication of complex topics. Key tasks include completing analytical work to determine best in class credit strategies, moving projects forward through compliance and business review and approval. Additionally, the role involves managing sound UAT testing and creative problem solving for managing risk while maximizing partner and customer experience. This role is located in Omaha, NE. This role is an individual contributor role.

About This Role:

The Director, Credit Management - UCL role is a self-starter who has a deep understanding of advanced credit risk concepts, is able to put those concepts into practice, has or develops excellent knowledge of the FNBO data environment, and has a continuous improvement approach to their work, leading on-going change in the bank's credit risk methodologies.

Key Accountabilities include:

Manage the unsecured loans business within the approved risk appetite Develop, obtain approval, implement, and manage credit strategies for unsecured installment loan products Independently evaluate and analyze ongoing performance of portfolio/partners, including understanding of root cause for performance, and effectively manage improvement for underperformance and maximization for high performance Clear communication of complex analysis and strategy recommendations Strong collaboration with cross functional stakeholders to move the unsecured installment loan business forward Work closely with the Product, Technology and Business teams to ensure no issues with quality and or compliance of credit strategies Have a holistic view of how partner, product, term, and channel impact expected credit performance Support on-going internal and external audits by maintaining strong documentation The 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 in analytical tools (e.g., SQL, Python) Demonstrated expertise in understanding and 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 time complex priorities - experience in fast paced environments

Compensation:

Compensation range (base pay): $97,774.00-$166,216.00 This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Work Environment:

It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you'll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that work location is subject to change based on business needs.

Benefits Overview:

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs: Medical, Dental, Vision Insurance 401k, With Matching Contributions Time Off Programs Health Savings Account (HSA)/Dependent Care Employee Banking Growth Opportunities Tuition Assistance Short-Term/Long-Term Disability Insurance Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/ . For additional information regarding compensation and benefits, e-mail FNBO at . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number:

R-20260550

Equal Opportunity & Belonging:

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to 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. Learn more here. FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member

FDIC 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.