Senior Manager – Credit Risk Rules Engine & Technology Delivery

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Job Overview

Position Summary:

The Senior manager – Credit Risk Rules Engine & Technology Delivery is accountable for leading the strategy, design, and delivery of cutting-edge credit risk rules engine technologies, ensuring the seamless integration of risk policies, business rules, and decisioning logic into technology platforms. This role drives transformational initiatives and leads a team of risk technologists, ensuring that credit risk changes are delivered on time, within scope, and aligned with the organization’s risk management framework and regulatory mandates.

The ideal candidate will operate at the intersection of credit risk strategy and technology execution, ensuring that all changes to risk models and decisioning systems are well-managed and effectively implemented. The role involves close collaboration with senior leadership and cross-functional teams, ensuring the credit risk rules engine supports business objectives while maintaining strict compliance with regulatory standards.

Key Responsibilities:

• Strategic Leadership in Credit Risk Technology:

  • Define and execute the technology strategy for the credit risk rules engine, ensuring it aligns with the organization’s risk management framework and business growth strategies.

  • Lead the development and delivery of complex credit risk technology changes, driving the integration of decisioning rules and policies into platforms used for credit decisioning and underwriting.

  • Set long-term vision for the evolution of the rules engine, incorporating emerging trends, technology advancements, and risk mitigation strategies.

• Technology Delivery & Execution:

  • Oversee the end-to-end delivery of technology changes related to credit risk models, decisioning logic, and business rules, ensuring alignment with business goals, timelines, and budgets.

  • Lead the design, development, testing, and deployment of enhancements to the credit risk rules engine, ensuring seamless integration with consumer credit platforms and compliance with regulatory requirements.

  • Establish strong partnerships with IT, product, and risk management teams to ensure successful implementation and operation of credit risk technology initiatives.

• Governance & Compliance:

  • Implement a robust governance framework to manage changes to the credit risk rules engine, ensuring adherence to internal policies and external regulatory standards (OCC, CFPB, Fed).

  • Drive the creation of risk control measures within the rules engine to ensure decisions are in line with the organization’s risk appetite and regulatory expectations.

  • Ensure that all technology changes are thoroughly tested and validated prior to deployment, minimizing risk exposure and ensuring system integrity.

• Innovation & Strategic Transformation:

  • Lead efforts to modernize the credit risk rules engine by incorporating advanced technologies such as AI/ML to optimize decision-making, enhance operational efficiency, and improve predictive capabilities.

  • Identify and leverage emerging technology trends, tools, and platforms to transform the credit risk technology landscape and create competitive advantages in risk management.

  • Foster a culture of innovation and continuous improvement within the team, encouraging the adoption of best practices in credit risk technology and execution.

• Team Leadership & Development:

  • Build and lead a high-performing team of risk technology professionals, providing leadership, mentorship, and strategic direction to ensure optimal performance and engagement.

  • Ensure the team has the necessary skills and capabilities to deliver complex credit risk technology projects, fostering a collaborative and results-driven work environment.

  • Promote an inclusive and innovative team culture that prioritizes professional growth, cross-functional collaboration, and delivery excellence.

• Cross-Functional Collaboration & Stakeholder Engagement:

  • Collaborate closely with senior stakeholders, including credit risk, IT, product development, and compliance leaders, to ensure alignment between credit risk strategy and technology execution.

  • Engage with external vendors, regulatory bodies, and industry peers to stay informed of best practices, regulatory changes, and advancements in credit risk technology.

  • Present technology delivery progress, key outcomes, and risk management insights to executive leadership and board members, offering strategic recommendations.

• Performance Management & Reporting:

  • Establish key performance metrics to measure the effectiveness of credit risk technology changes, ensuring high-quality outcomes, on-time delivery, and alignment with business objectives.

  • Provide regular reporting on technology delivery performance, risks, and opportunities to senior leadership, ensuring transparency and proactive decision-making.

  • Monitor and manage the financial impact of technology changes, ensuring efficient use of resources and alignment with budgetary goals.

Key Qualifications:

• Educational Background: Bachelor’s degree in Information Technology, Computer Science, Finance, or a related field is required. Certifications in credit risk, technology management, or systems development are a plus.

• Extensive Leadership Experience:

  • 15+ years of experience in credit risk technology or financial services, with at least 7+ years in a leadership role overseeing large-scale technology delivery or system development.

  • Proven track record of delivering complex technology projects on time and within budget, particularly in highly regulated environments.

• Credit Risk & Technology Expertise:

  • Deep knowledge of credit risk management principles, decisioning models, and the operationalization of risk strategies through technology.

  • Significant experience with rules engine technologies, decisioning platforms, and risk management tools used in consumer credit decisioning processes.

• Strategic & Innovation Leadership:

  • Experience leading technology transformation initiatives, including the adoption of AI/ML or advanced automation in credit risk management and decision-making.

  • A forward-thinking mindset with the ability to identify and implement innovative technology solutions that enhance credit risk operations and decision accuracy.

• Regulatory Knowledge:

  • Strong understanding of the regulatory landscape (OCC, CFPB, Fed) and experience ensuring technology solutions are compliant with credit risk and consumer protection regulations.

  • A track record of successfully navigating regulatory changes and implementing compliant credit risk technology solutions.

• Communication & Stakeholder Management:

  • Exceptional communication skills with the ability to engage senior leadership, technology teams, and external stakeholders on complex technical issues and risk management strategies.

  • Ability to present complex technical concepts in a clear, concise manner to executive leadership and board members.

• Financial Acumen:

  • Strong financial management skills, with a demonstrated ability to manage large technology budgets and ensure cost-effective delivery of technology solutions.