Hiring: Senior Director, Credit Risk Management Company: Realpage Location: Dallas County, TX Job Posted Time: 2026-09-16 18:09:37 Target Skills & Keywords : Embedded Systems, Python, R, Risk Management, SQL About the job Experience: •12+ years of progressive experience in credit risk management, with at least 5–7 years in a senior leadership role; payments, fintech, card issuing/acquiring, or commercial lending background strongly preferred. Required Skills: •Own the end-to-end credit risk strategy for the company's payments and fintech portfolio, including merchant/counterparty underwriting, exposure limits, reserve requirements, and loss forecasting. •Design, implement, and continuously refine credit risk policies, scorecards, and underwriting models to balance risk appetite with revenue and conversion goals. •Build and lead a high-performing team of credit risk managers and analysts; set goals, coach performance, and develop talent. •Monitor portfolio performance (delinquency, chargebacks, default rates, loss ratios) and proactively identify emerging risk trends across merchant segments, verticals, and payment products. •Partner with Data Science/Analytics to develop and validate credit scoring models, machine-learning underwriting tools, and early-warning indicators. •Set and manage credit risk appetite, exposure limits, and reserve/collateral policies in partnership with Finance and Treasury. •Lead loss mitigation, collections strategy, and workout processes for delinquent or high-risk accounts. •Present credit risk metrics, portfolio health, and key decisions to executive leadership, Risk Committee, and the Board as needed. Qualifications: •Bachelor's degree in Finance, Economics, Statistics, or related field required; MBA or advanced quantitative degree a plus. •Proven experience building or scaling a credit risk function, including underwriting frameworks, portfolio monitoring, and loss mitigation at a high-growth or transaction-volume business. •Strong quantitative background: experience with credit scoring models, statistical/ML-based underwriting, and portfolio risk analytics. •Track record of managing exposure and losses across a merchant or borrower portfolio, including chargeback/dispute risk, fraud-adjacent losses, and counterparty default. •Comprehensive expertise in payments ecosystem dynamics (card networks, ACH, merchant acquiring, or lending) and related regulatory frameworks. •Demonstrated people leadership: hiring, developing, and managing credit risk or underwriting teams. •Excellent executive communication skills, with experience presenting to senior leadership, Risk Committees, or Boards. Compensation: •Health, dental, and vision insurance Interested candidates, please apply directly through the job posting on company's career page or try via AI auto apply on this platform. Don't miss this opportunity to join a forward-thinking team!