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Vice President of Credit & Business Intelligence

One Park FinancialDallas, Texas, United States
On-site Full-time

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Experience Level

Senior Level Manager

Qualifications

Required Qualifications8-10 years of experience in credit and/or analytics within Fintech or credit institutions, including a minimum of 3 years of direct experience with merchant/SMB risk preferred. In-depth understanding of underwriting processes utilizing bank and cash flow analysis, business financials, and credit risk assessment methodologies.

About the job

About One Park Financial

One Park Financial stands at the forefront of providing innovative financing solutions tailored for small and mid-sized enterprises. For seven consecutive years, we have garnered accolades as a premier workplace, including the esteemed Best Place to Work and Sun Sentinel's Top Places to Work awards. Our dynamic and forward-thinking financial services firm is dedicated to transforming the industry landscape while enhancing the livelihoods of business owners across the nation. At One Park Financial, we celebrate excellence and impactful results, ensuring that your skills and enthusiasm are acknowledged and rewarded, paving the way for both professional and personal advancement.

About the Vice President of Credit & Business Intelligence

As a key member of our leadership team, the Vice President of Credit & Business Intelligence will report directly to the Senior Vice President of Credit & Analytics. This vital position is responsible for overseeing the Credit Policy & Analytics function related to small business financing and innovative embedded finance products. The successful candidate will play a crucial role in empowering small businesses by managing risk appetite through sophisticated decision-making models, growth strategies, and vital reporting and analytics that drive organizational success.

Key Responsibilities

  • Lead and own the Credit Policy & Analytics across the organization, encompassing Credit Origination, Account Management, Portfolio Monitoring, Collections, and Loss/Growth Forecasting.
  • Drive the development, validation, and implementation of advanced AI/ML models and strategies aimed at expanding small business access to finance while taking informed risks.
  • Establish and maintain key portfolio KPIs and a comprehensive inventory of periodic analyses to consistently identify risks and growth opportunities.
  • Facilitate effective challenges to Business Operations through data-driven insights and Business Intelligence practices.
  • Collaborate with Product, Engineering, and Operations teams to operationalize strategies within decision engines, ensuring high data quality, monitoring, and controls.
  • Utilize Open Banking (Plaid), Credit (Commercial & Personal), Business Identity, Fraud, and validation sources to assess improvements in our Credit strategy and enhance merchant experiences.
  • Identify opportunities to streamline user flows, minimize customer friction, and optimize the credit funnel.
  • Oversee Analytics infrastructure requirements to proactively highlight issues for prioritization within the organization.
  • Lead executive discussions on Analytics prioritization to address the most pressing business needs.
  • Mentor, coach, and develop the Analytics team into effective champions of Credit & Business Intelligence and owners of credit policy.

About One Park Financial

One Park Financial is a pioneering financial services company dedicated to providing exceptional financing solutions for small and mid-sized businesses. Our continuous recognition as a top workplace highlights our commitment to innovation and excellence in the industry, fostering a positive impact on the lives of business owners nationwide.

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