Director, Credit Program Management

First Help Financial (FHF) is a fast-growing and culturally diverse company in the U.S. We provide auto loans to the underserved and care for our customers and partners with exceptional service. Through flexible financing options and tri-lingual support, we offer consumers an easier way to finance their first car. We lend to and support our portfolio which has consistently grown 30%+ each year over the last nine years.

Here you will find hard-working colleagues who come from over 20 countries. We hold ourselves to the highest standards of professionalism but also enjoy our work. Our culture and benefits are geared towards making you successful in life and comfortable at work.

Your Title: Director, Credit Program Management

Your Location: Remote/Anywhere in the US

You Report To: Chief Credit Officer

Your Compensation: $190,000+ plus bonus!

Learn more about our awesome Credit Division Team!

About the Opportunity:

First Help Financial, voted and certified as a “Great Place to Work” by our workforce for three years in a row, is adding a new partner to our Credit Division team to accommodate our remarkable growth!

What you will do:

You will report directly to the Chief Credit Officer, and the duties include, but are not limited to: 

• Lead the development of next generation credit programs for FHF.  This includes the market segment identification, competitor analysis, development of credit rules, integration of analytic models and scorecards, smooth implementation of AI automation and API tools.
• Lead and partner with operational departments (Sales, Credit, Funding, and more) to improve program offerings.
• Oversee and develop a group of program and market research managers.
• Partner with other senior-level executives in sales, operations, finance, and technology to drive the strategic credit program(s) agenda of the company.
• Plans and oversees ongoing credit program excellence that aligns with company goals.
• Heads the development and execution of a detailed program strategy.
• Drives initiatives and fosters continuous improvements of existing programs by leveraging data-driven insights and utilizing best course of action to optimize program performance.
• Collaborates across multiple departments and stakeholders and coordinates progress toward program objectives by maintaining effective communication at all levels.

What You Bring:

• At least 10 years of experience in credit program development and management, credit rule creations and implementations using advanced analytic models and technologies.
• At least 5 years of experience in managing teams.
• Expert ability to understand and interpret advanced analytics, ML models, and technology usage for program management.
• Expertise in gathering competitor intelligence, programs, and implementing credit risk policy and guidelines.
• Strong oral and written communication skills, with experience presenting to senior management.
• Experience in auto finance (Sales a big plus) and strong leadership skills.
• Strong project management skills.

FHF Benefits:

• Great Perks – We offer generous salaries, competitive health and welfare benefits, paid vacation, 401(k) match, tuition reimbursement, quarterly social outings, monthly lunches, a robust employee recognition, and training development program to enhance your career with us.
• Culture - We are believers in maintaining a healthy work-life balance. While we work hard and care deeply about our customers and partners, we want you to have room for your family, friends, and yourself.
• Growth - Company growth provides unprecedented career growth. FHF’s extraordinary year over year growth in revenue and new markets provides opportunity for you to establish and develop your career growth. We engage each employee to build a career plan that benefits everyone, and we have a proven record of investing in you.

Diversity and Inclusion:

FHF is committed to building a culture that respects and embraces all walks of life, inclusive of all genders, race, culture, age, sexual orientation, and other identities. We will make accommodations when interviewing anyone with special needs.