Manager II - Consumer Credit Risk CCBX

Job Type Full-time Description

About Us

Coastal Community Bank is a leader in banking, specializing in Banking-as-a-Service (BaaS) and fintech strategies powered by a strong financial infrastructure. The people at Coastal not only help people with their personal banking; our teams help businesses integrate banking technology that drives growth, enables flexible financing, and unlocks new possibilities. We think and work like entrepreneurs—constantly innovating, improving, and moving forward. We are go-getters who work hard and play hard. If you're someone who thrives on innovation, wants to help others succeed, knows how to think outside the box, and believes that we're all in this together—you belong here.

Overview

As a Consumer Credit Risk Manager II, you will oversee credit relationships and portfolio credit quality of our fintech Partners within CCBX, our Banking-as-a-Service (BaaS) division. You will collaborate with internal teams to uphold strong underwriting standards, portfolio analytics, and regulatory compliance. Leveraging advanced data analytics, you will actively monitor Partners’ credit strategies and portfolios, ensuring consistency in policy approvals, audits, and credit product evaluations. Additionally, you will provide strategic leadership and guidance, working cross-functionally to drive credit risk excellence and support the organization's strategic objectives.

Requirements

Responsibilities To Include

• Lead partner credit relationships, fostering collaboration between internal departments and fintech partners.
• Develop, implement, and optimize partner credit policies, procedures, and risk frameworks to ensure responsible lending practices.
• Design and maintain credit models to evaluate partner performance, predict credit outcomes, and inform policy decisions.
• Conduct portfolio analytics using advanced data techniques and forecasting tools to identify credit risks and emerging trends, and to drive data-backed insights.
• Establish and refine credit risk management processes to ensure strong underwriting standards for consumer lending.
• Monitor credit loss rates, delinquency trends, and default rates, applying early warning indicators for proactive risk mitigation.
• Ensure the regulatory compliance of all credit processes with bank policies, banking, fintech, state, and federal regulations, while aligning with industry standards.
• Work closely with internal departments to support the overall credit goals in support of our CCBX division.

Qualifications

• Excellent communication and relationship management skills with the ability to communicate at all levels throughout an organization.
• Strong analytical mindset with the ability to interpret complex data sets, identify trends, and make data-driven decisions to optimize credit risk management and partner relationships.
• Advanced problem-solving skills in credit forecasting and data interpretation.

Education/Experience

• Bachelor’s degree in Business Administration, Economics, Finance, or a related field; OR an equivalent combination of education and relevant experience.
• 7+ years of relevant experience in credit risk management, fintech lending, or financial portfolio analysis. 
• Strong ability to apply credit scoring models, forecasting techniques, and credit risk analytics to drive strategic insights, improve dashboard reporting, and ensure compliance with credit and lending regulations.
• Demonstrated expertise in credit card and consumer lending product lifecycle, including acquisition strategies, balance transfer, and portfolio management functions such as credit line management, high-risk accounts mitigation, and collections.
• Strong proficiency in data tools and software, including Python, R, or SQL.
• Advanced proficiency in Microsoft Excel for data analytics and forecasting.
• Intermediate proficiency in other MS365 tools, including Outlook, PowerPoint, and Word for strategic communications and coordination, executive-level reports and presentations, and formal documentation.

How You’Ll Thrive At Coastal

• Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development.
• Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.
• Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.
• Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box.
• Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.
• Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence.

Being You At Coastal

Coastal Community Bank is an equal opportunity employer. We are committed to providing a workplace free from discrimination and harassment. All employment decisions are based on merit, qualifications, and business needs. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected status under applicable laws. 

Physical Demands

The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

While performing the duties of this job, the employee must be able to:

• Sit for extended periods of time.
• Stand for extended periods of time.
• Perform repetitive finger, hand, and arm movement.
• Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc. 
• View and read computer screens for extended periods.
• Occasionally stoop, kneel, crouch, or crawl.
• Occasionally lift or move up to 10 pounds.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Salary Description $113,169.50-$141,462,47