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RI
RealPage, Inc.
Senior Director, Credit Risk Management
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What they do
A Director of Risk Management directs and oversees risk management activity for a company or organization. Evaluates risk, develops strategies to mitigate or offset risks that could result in financial losses, and directs implementation of risk management strategies. May direct risk management in investments, business operations and finance, or insurance..
$118,878 / year median in the U.S.
Job Description
Overview We are seeking an experienced Senior Director of Credit Risk Management to lead the credit risk function for our payments and fintech platform. This role owns the strategy, policies, and infrastructure that manage counterparty, merchant, and transactional credit exposure across our payment products — including merchant acquiring, lending, and embedded finance offerings. The ideal candidate combines deep quantitative credit risk expertise with hands-on leadership of underwriting, portfolio monitoring, and loss mitigation teams, and partners closely with Product, Data Science, Finance, Compliance, and Operations to balance growth with prudent risk management. Responsibilities Own the end-to-end credit risk strategy for the company's payments and fintech portfolio, including merchant/counterparty underwriting, exposure limits, reserve requirements, and loss forecasting. Design, implement, and continuously refine credit risk policies, scorecards, and underwriting models to balance risk appetite with revenue and conversion goals. Build and lead a high-performing team of credit risk managers and analysts; set goals, coach performance, and develop talent. Monitor portfolio performance (delinquency, chargebacks, default rates, loss ratios) and proactively identify emerging risk trends across merchant segments, verticals, and payment products. Partner with Data Science/Analytics to develop and validate credit scoring models, machine-learning underwriting tools, and early-warning indicators. Set and manage credit risk appetite, exposure limits, and reserve/collateral policies in partnership with Finance and Treasury. Lead loss mitigation, collections strategy, and workout processes for delinquent or high-risk accounts. Present credit risk metrics, portfolio health, and key decisions to executive leadership, Risk Committee, and the Board as needed. Ensure credit risk practices comply with applicable regulatory requirements (e.g., card network rules, BSA/AML-adjacent controls, state lending regulations) in partnership with Legal and Compliance. Own credit risk components of due diligence for new products, partnerships, and market expansion, including BNPL, embedded lending, and merchant cash advance offerings. Drive automation and scalability of credit underwriting and monitoring processes to support rapid business growth. Manage relationships with external data providers, bureaus, and risk technology vendors. Qualifications 12+ years of progressive experience in credit risk management, with at least 5-7 years in a senior leadership role; payments, fintech, card issuing/acquiring, or commercial lending background strongly preferred. Bachelor's degree in Finance, Economics, Statistics, or related field required; MBA or advanced quantitative degree a plus.