About the Role
This role leads the creation and optimization of credit risk decision strategies across consumer and commercial lending products. The strategist uses data analysis, modeling techniques, and industry knowledge to improve approval accuracy, reduce risk exposure, and support business goals.
Responsibilities
- Design and implement credit decisioning frameworks for loan portfolios
- Develop risk-based pricing strategies aligned with business objectives
- Analyze credit performance data to identify trends and risk factors
- Collaborate with data science teams to build predictive models
- Evaluate the impact of policy changes on approval rates and losses
- Lead cross-functional initiatives to modernize credit systems
- Translate regulatory requirements into credit policy updates
- Monitor key risk indicators and report findings to leadership
- Optimize automated underwriting rules for efficiency and accuracy
- Assess new data sources for credit decisioning enhancements
- Support stress testing and scenario analysis for credit portfolios
- Ensure consistency between strategy design and operational execution
- Partner with IT to integrate decision logic into lending platforms
- Document strategies, assumptions, and performance outcomes
- Present strategic recommendations to senior management
- Maintain alignment with enterprise risk appetite frameworks
- Evaluate competitive lending practices to inform strategy updates
- Drive continuous improvement in credit decision accuracy
- Manage vendor relationships related to credit scoring and analytics
- Ensure compliance with fair lending regulations in all strategies
Nice to Have
- Master's degree in a quantitative or business discipline
- Certification in credit risk or financial analysis
- Experience in agricultural or cooperative lending
- Background in machine learning applications for credit
- Knowledge of FICO or other scoring model architectures
- Prior work with loan origination systems
- Experience in a financial cooperative or rural lender
Compensation
Competitive salary and benefits package
Work Arrangement
Hybrid work model available
Team
Part of the Credit Risk Strategy team within the Analytics division
About Us
- A financial cooperative serving farmers, ranchers, and rural businesses across the Midwest and Western United States
- Committed to strengthening rural communities through personalized financial services and local decision-making
Culture and Values
- Emphasis on collaboration, integrity, and member service
- Supportive environment that values innovation and continuous learning
