Credit Risk & Approval Director – Consumer Banking

. Provide independent second-line credit risk oversight for Consumer Banking deposit products, focusing on customer acquisition, onboarding strategies, account approval practices, and portfolio performance .

Posted 10/15/2026full-timeUnited StatesLeadWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive expertise in Credit Risk Management, with a strong focus on Consumer Banking deposit products, regulatory compliance, and strategic risk oversight. Proven ability to lead teams, influence stakeholders, and drive effective risk management practices across organizational levels.

Highest-signal resume keywords

Credit Risk ManagementTeam LeadershipRegulatory ComplianceStrategic Risk OversightAnalytical Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit Risk OversightDeposit Fraud Risk ManagementProject ManagementModel Risk ManagementConsumer Deposit Products KnowledgeRisk AssessmentPortfolio Performance EvaluationData AnalysisRisk Governance FrameworksBusiness Relationship Management

Soft Skills

Strategic ThinkingCommunication SkillsCritical ThinkingMultitaskingInterpersonal Skills

Tools & Technologies

Microsoft Office

Industry Keywords

Consumer BankingRisk ManagementRegulatory EnvironmentsGovernance ProcessesCustomer Life Cycle

About the role

Key responsibilities & impact

Provide independent second-line credit risk oversight for Consumer Banking deposit products, focusing on customer acquisition, onboarding strategies, account approval practices, and portfolio performance
Lead and develop a team of risk professionals responsible for independent oversight of Consumer Banking deposit products
Oversee deposit credit risk exposures, including overdraft strategies, customer eligibility criteria, and account-opening risk
Evaluate business strategies, growth initiatives, and product enhancements to ensure risks are identified, assessed, and managed
Oversee loss forecasts, strategy changes, portfolio trends, key assumptions, and emerging risk indicators
Oversee credit risk governance and policy frameworks in alignment with regulatory expectations and enterprise risk standards
Partner with Product, Operations, Fraud, Compliance, Legal, and Business teams to drive sound risk-based decisions and effective risk management practices
Provide strategic insights to senior leaders and governance committees on the evolving deposit credit risk landscape, emerging risks, risk trends, and portfolio performance
Communicate a clear view of material risks, emerging issues, and portfolio performance
Influence senior executives and governance committees through credible challenge, strategic insights, and effective risk communication
Deliver thought leadership on changes in business operations and impacts to the organization’s risk profile
Foster a high-performing culture focused on accountability, risk discipline, talent development, and continuous improvement

Requirements

What you’ll need

10+ years of Credit Risk or lending experience or equivalent demonstrated through work experience, training, military experience, or education
4+ years of management or leadership experience
Strategic thinking aligned with business goals
Broad understanding of deposit fraud risks, including internal and external fraud types
Knowledge and experience with end-to-end consumer and small business deposit products across product management and the customer life cycle
Ability to manage and prioritize multiple initiatives while applying critical thinking to synthesize multiple risks into a single risk landscape
Ability to develop and manage business relationships across all organizational levels
Strong project management, organizational, multitasking, and prioritization skills
Strong analytical skills with high attention to detail and accuracy
Strong business and risk acumen
Experience overseeing models through the model risk management lifecycle
Knowledge and understanding of evolving regulatory environments and governance processes
Advanced Microsoft Office skills
Excellent verbal, written, and interpersonal communication skills
Ability to work in a fast-paced, deadline-driven environment while meeting stringent deadlines
Ability to travel up to 10% of the time
This position is not eligible for VISA sponsorship

Benefits

Comp & perks

Relocation assistance is not available for this position
Ability to travel up to 10% of the time
Equal opportunity employment
Medical accommodation support during the application or interview process
Drug-free workplace