Chief Risk Officer - Selby Jennings

I am currently working with a fast growing subprime auto finance company on a Chief Risk Officer role. This position reports directly into the CEO and will play a critical role in shaping and refining credit models, pricing frameworks, and decisioning systems that directly influence profitability and portfolio performance.They're looking for a hands-on, impact-driven leader who can roll up their sleeves, own key initiatives, and deliver measurable impact.Core ResponsibilitiesOwn credit risk strategy, including development, deployment, and governance of a next‑generation risk modelDefine modeling objectives and oversee internal and external resources through validation and ongoing monitoringMonitor portfolio performance, credit policy effectiveness, and emerging risk trendsOwn pricing strategy, including risk‑based tiering, rate structures, and profitability managementEvaluate pricing performance and market dynamics; drive data‑backed adjustmentsPartner cross‑functionally to align risk, pricing, and growth objectivesAnalyze loss drivers, roll rates, and portfolio health across the credit lifecycleSupport forecasting, loss estimation, and performance reportingBuild and maintain a scalable, right‑sized risk governance frameworkEnsure credit and pricing practices meet regulatory and audit expectationsDeliver clear, executive‑level risk and portfolio reportingLead a small, high‑impact team while remaining hands‑on with analysis (SQL, R/Python)Translate complex analytics into actionable recommendations for senior leadershipRequiredExperience & Qualifications7-10+ years of experience in subprime auto finance, consumer lending, or a closely related credit risk environment.Strong expertise in credit risk analytics, pricing strategy, and portfolio monitoringExperience leading credit model development initiatives end‑to‑end, including requirements definition, vendor evaluation and selection, validation, implementation, and ongoing performance monitoring and governance.Hands‑on analytical capability using SQL and R or PythonAbility to communicate complex quantitative concepts to non‑technical stakeholdersPreferredExperience with BI or visualization toolsBackground in collections analytics, loss forecasting, or operational riskFamiliarity with regulated lending environmentsPrior leadership of small, high‑performing analytical teamsAdvanced degree or professional certifications a plus