Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution—working together to create a better financial future for our customers and communities.
At Best Egg, you’ll find a culture grounded in our core values—putting people first, creating clarity, delivering with excellence, and leading with heart—enhanced by Barclays’ commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people’s financial lives.
With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization—while continuing to build the products and experiences that make Best Egg unique.
We’re looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.
We’re proud to be an equal opportunity employer committed to building a diverse and inclusive team.
About the Role
We are seeking an experienced Director of Credit Risk Oversight to join our Second Line of Defense (2LOD) supporting unsecured and secured personal loan products. This role will provide independent oversight, governance, and credible challenge across credit underwriting, pricing, loan amount, portfolio performance, credit policy governance, and risk appetite.
This individual will play a critical role in ensuring that credit strategy and growth initiatives are aligned with the company’s risk appetite, regulatory expectations, and sound risk management practices.
Key Responsibilities:
- Provide independent 2LOD oversight and challenge of credit underwriting, loan amount/credit exposure, pricing, and portfolio performance strategies
- Ensure effective governance frameworks are in place for credit decisioning, strategy changes, documentation, and reporting
- Monitor portfolio performance across originations, vintages, and customer segments
- Identify emerging risks, evolving trends, and portfolio concentration opportunities
- Evaluate impacts of strategy changes on approval rates, credit quality, and profitability
- Understanding of marketing and growth strategies impacts to ensure alignment with credit risk appetite and portfolio objectives
- Review expansion strategies (e.g., new segments, channels, or products) for risk implications
- Ensure adherence to applicable consumer lending and fair lending regulations (e.g., ECOA/Reg B, FCRA, UDAAP, etc.)
- Provide effective challenge on fair lending risk, model bias, and disparate impact considerations
- Support regulatory exams, internal audits, and issue remediation
- Develop and maintain credit risk reporting, insights, and dashboards
- Escalate material risks, control gaps, or model concerns in a timely manner
- Provide oversight of new credit strategies, model deployments, and product launches
- Ensure appropriate risk assessment and governance for FinTech-driven innovations (e.g., alternative data, AI/ML models)
- Support ongoing enhancement of credit risk frameworks and controls
Credit Risk Oversight & Governance
Portfolio Monitoring & Risk Analytics
Marketing & Growth Strategy Oversight
Regulatory & Compliance Oversight
Risk Reporting & Governance
Change Management & Innovation
Qualifications:
- 10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending
- Experience in 2LOD, model risk, validation, or audit, or strong exposure to independent oversight functions
- Deep understanding of credit risk models and decision strategies
- Proven experience analyzing portfolio performance and credit trends
- Experience in a FinTech and/or regulated banking environment
- Exposure to digital lending, alternative data, or advanced analytics/ML models
- Strong knowledge of consumer lending regulations, including:
- ECOA / Regulation B (fair lending)
- FCRA
- UDAAP
- Experience in addressing fair lending and model governance risks preferred
Required Experience
Preferred Experience
Regulatory Knowledge
Skills & Competencies
- Strong risk and control mindset with ability to provide independent, credible challenge
- Advanced analytical and quantitative skills
- Ability to connect credit strategy decisions to portfolio outcomes and risk appetite
- Excellent communication and stakeholder management
- Ability to operate effectively in a fast-paced, data-driven FinTech environment
- Willingness to adapt to a fast-paced environment and adjust priorities accordingly
Skills Required
- 10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending
- Experience in 2LOD, model risk, validation, or audit
- Strong knowledge of consumer lending regulations including ECOA, FCRA, UDAAP
- Experience in addressing fair lending and model governance risks
- Experience in a FinTech and/or regulated banking environment
- Exposure to digital lending, alternative data, or advanced analytics/ML models
What We Do
Best Egg is a consumer financial technology platform that aims to help people feel more confident about their everyday finances through a suite of products and resources. Our digital financial platform offers simple, accessible, and personalized financial solutions including personal loans, credit cards, and a financial health resource center. Our culture and values are one of the core reasons why our customers keep returning to Best Egg. We are committed to championing a culture of inclusiveness and diversity of thought, and we focus on providing a safe, flexible, and collaborative work environment. Our associates are encouraged to engage in creative problem solving, and we promote opportunities for growth and enrichment across the organization. If you are inspired by inspiring others, Best Egg is the place for you.
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