Director, Credit Risk Oversight - Consumer Lending (2nd Line of Defense)

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 —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.

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.

• 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

• 10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending
• Direct experience managing or overseeing first or second line of defense credit risk functions required
• 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