Director, Credit Risk

FTL Finance is seeking a highly analytical and strategic leader to drive the next phase of our credit and portfolio strategy. This role sits at the center of growth, risk, and profitability -- owning how we evaluate, price, and scale our lending portfolio. As Director, Credit Risk, you will directly impact portfolio performance by reducing delinquencies through smarter underwriting and data-driven decisions; building dynamic, risk-based pricing frameworks to improve returns; and identifying and launching new lending opportunities across home improvement verticals. This is a high-visibility position with the opportunity to shape credit strategy, influence executive decision-making, and drive measurable financial outcomes. Since 1996, FTL Finance has specialized in financing for residential HVAC and other home improvement projects. Based in the heart of Missouri, we take pride in empowering thousands of hardworking contractors nationwide to elevate their businesses and increase sales. At FTL Finance, our mission to make home improvement easier on everyone is demonstrated in our dedicated support teams, robust digital tools, and programs to help homeowners with all types of credit. Join our team, where your expertise and strategic contributions will be welcomed in an environment that fosters growth, innovation, and success. Be part of a team that makes a real difference in the lives of contractors and homeowners across the nation! This position is based in St. Charles, MO.

What You'll Do:

Own portfolio performance by analyzing cohort, vintage, and real-time trends to identify risks and opportunities across all credit tiers -- from prime to near-prime and credit-challenged customers Develop and refine credit risk segmentation frameworks to improve risk differentiation, uncover mispriced or underperforming segments, and responsibly expand approvals in underserved or under-optimized segments Define and manage portfolio-level targets for loss, yield, and risk-adjusted returns, ensuring alignment with business objectives Design and implement dynamic, risk-based pricing strategies to optimize portfolio economics and capital allocation, balancing growth, risk, and profitability while improving offer attractiveness and customer acceptance Lead development and enhancement of predictive credit models (PD / Expected Loss), incorporating new data sources to sharpen underwriting accuracy and reduce delinquencies through low-friction approaches that preserve a simple customer experience Establish governance and structured testing frameworks (e.g., A/B testing, pilot programs) to validate strategy changes and drive disciplined decision-making Evaluate and size opportunities to expand into new home improvement verticals, providing strategic recommendations on capital deployment Translate analytics into executive-level insights while building scalable reporting, automation, and decision frameworks that elevate analytical rigor, drive innovation, and support continuous improvement across the organization

What You'll Bring:

8+ years of experience in credit risk, portfolio strategy, or risk-based pricing within consumer lending, fintech, or specialty finance Proven track record of owning portfolio-level decisions and driving measurable improvements in performance (e.g., reducing losses, improving pricing, increasing returns) Hands-on experience translating credit performance insights into underwriting, pricing, or policy changes that deliver business impact Deep expertise in consumer credit risk modeling frameworks (PD, LGD, Expected Loss) and portfolio analysis (e.g., vintage, cohort trends) Experience designing and implementing risk-based pricing strategies, including market benchmarking and return optimization Strong analytical and problem-solving skills, with the ability to work directly with data and guide model development Ability to communicate complex analytical concepts clearly and influence stakeholders across credit, finance, and executive leadership Experience building or improving scalable processes, reporting, or automation to enhance decision-making and efficiency Demonstrated ownership mindset with the ability to operate independently and drive initiatives from concept through execution Strong technical fluency with the ability to partner effectively with analytics and data teams

What You'll Get:

A dynamic, fast-paced, fun and inclusive work environment (with always-stocked snacks and beverages!) Annual company parties and fun team events Growth and development opportunities Hybrid work arrangement (3 days in-office/2 days remote) Monthly team celebrations and luncheons Excellent offerings under our group benefit plans for medical, dental, vision, FSA, etc.! 401K plan with a company match of up to 4%! Generous Paid Time Off (PTO) plus 13 paid holidays Director, Credit Risk 4.7 4.7 out of 5 stars Saint Charles, MO 63301 Hybrid work FTL Finance 3 reviews FTL Finance is seeking a highly analytical and strategic leader to drive the next phase of our credit and portfolio strategy. This role sits at the center of growth, risk, and profitability -- owning how we evaluate, price, and scale our lending portfolio. As Director, Credit Risk, you will directly impact portfolio performance by reducing delinquencies through smarter underwriting and data-driven decisions; building dynamic, risk-based pricing frameworks to improve returns; and identifying and launching new lending opportunities across home improvement verticals. This is a high-visibility position with the opportunity to shape credit strategy, influence executive decision-making, and drive measurable financial outcomes. Since 1996, FTL Finance has specialized in financing for residential HVAC and other home improvement projects. Based in the heart of Missouri, we take pride in empowering thousands of hardworking contractors nationwide to elevate their businesses and increase sales. At FTL Finance, our mission to make home improvement easier on everyone is demonstrated in our dedicated support teams, robust digital tools, and programs to help homeowners with all types of credit. Join our team, where your expertise and strategic contributions will be welcomed in an environment that fosters growth, innovation, and success. Be part of a team that makes a real difference in the lives of contractors and homeowners across the nation! This position is based in St. Charles, MO.

What You'll Do:

Own portfolio performance by analyzing cohort, vintage, and real-time trends to identify risks and opportunities across all credit tiers -- from prime to near-prime and credit-challenged customers Develop and refine credit risk segmentation frameworks to improve risk differentiation, uncover mispriced or underperforming segments, and responsibly expand approvals in underserved or under-optimized segments Define and manage portfolio-level targets for loss, yield, and risk-adjusted returns, ensuring alignment with business objectives Design and implement dynamic, risk-based pricing strategies to optimize portfolio economics and capital allocation, balancing growth, risk, and profitability while improving offer attractiveness and customer acceptance Lead development and enhancement of predictive credit models (PD / Expected Loss), incorporating new data sources to sharpen underwriting accuracy and reduce delinquencies through low-friction approaches that preserve a simple customer experience Establish governance and structured testing frameworks (e.g., A/B testing, pilot programs) to validate strategy changes and drive disciplined decision-making Evaluate and size opportunities to expand into new home improvement verticals, providing strategic recommendations on capital deployment Translate analytics into executive-level insights while building scalable reporting, automation, and decision frameworks that elevate analytical rigor, drive innovation, and support continuous improvement across the organization

What You'll Bring:

8+ years of experience in credit risk, portfolio strategy, or risk-based pricing within consumer lending, fintech, or specialty finance Proven track record of owning portfolio-level decisions and driving measurable improvements in performance (e.g., reducing losses, improving pricing, increasing returns) Hands-on experience translating credit performance insights into underwriting, pricing, or policy changes that deliver business impact Deep expertise in consumer credit risk modeling frameworks (PD, LGD, Expected Loss) and portfolio analysis (e.g., vintage, cohort trends) Experience designing and implementing risk-based pricing strategies, including market benchmarking and return optimization Strong analytical and problem-solving skills, with the ability to work directly with data and guide model development Ability to communicate complex analytical concepts clearly and influence stakeholders across credit, finance, and executive leadership Experience building or improving scalable processes, reporting, or automation to enhance decision-making and efficiency Demonstrated ownership mindset with the ability to operate independently and drive initiatives from concept through execution Strong technical fluency with the ability to partner effectively with analytics and data teams

What You'll Get:

A dynamic, fast-paced, fun and inclusive work environment (with always-stocked snacks and beverages!) Annual company parties and fun team events Growth and development opportunities Hybrid work arrangement (3 days in-office/2 days remote) Monthly team celebrations and luncheons Excellent offerings under our group benefit plans for medical, dental, vision, FSA, etc.! 401K plan with a company match of up to 4%! Generous Paid Time Off (PTO) plus 13 paid holidays