Coastal
Financial Services
DirectorofPartnerCreditRiskManagement&Oversight
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“Director of Partner Credit Risk Management & Oversight at Coastal. Skills: Credit Risk Management, Partner Credit Risk, Counterparty Risk, BaaS Ecosystem. Lead partner credit risk managers. Develop credit risk framework”
Industry & Context.
Problem-solving; Data-driven insights
Ability to Travel
What They're Looking For.
Must Have
12+ years credit risk experience, 5+ years second line defense, Proven leadership experience, Experience with fintech partners, Experience with BaaS platforms, Experience with consumer lending, Experience with small business lending, Expertise in counterparty risk, Financial statement analysis, Deep understanding credit risk frameworks, Underwriting experience, Portfolio management experience, Risk governance experience, Analytical skills, Bachelor's degree in finance, Bachelor's degree in Accounting, Bachelor's degree in Economics, Bachelor's degree in Business Administration
Nice to Have
Advanced degree (MBA, MS, or similar) preferred, Experience in BaaS, Experience in fintech partnerships, Experience in embedded finance models, Familiarity with credit models, Familiarity with stress testing, Familiarity with data analytics tools, Experience interfacing with regulators
What You'll Do.
Lead partner credit risk managers
Develop credit risk framework
Execute credit risk framework
Recommend credit risk policies
Enforce credit risk policies
Evaluate partner credit models
Approve partner credit models
Evaluate underwriting strategies
Approve underwriting strategies
Evaluate program structures
Approve program structures
Monitor portfolio performance
Identify risk concentrations
Identify emerging risks
Guide early warning indicators
Guide portfolio stress scenarios
Ensure alignment with risk expectations
Ensure compliance with regulatory expectations
Support due diligence
Support onboarding of new partners
Conduct credit assessments
Provide credible challenge
Design controls for counterparty risk
Implement controls for counterparty risk
Evaluate financial strength
Evaluate partner stability
Analyze financial statements
Analyze capital adequacy
Analyze funding models
Establish counterparty risk ratings
Establish exposure limits
Establish monitoring standards
Identify risks related to partner sustainability
Identify risks related to operational dependency
Identify risks related to market conditions
How You'll Work.
Team & Collaboration
Cross-functional collaboration; Collaborate with fintech partners; Collaborate with program managers; Collaborate with internal stakeholders
Communication Scope
Executive presentations; Senior stakeholder influence
Process & Methodology
Roadmap planning
Full Job Description
ABOUT US Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation. At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you. Check out our video here https://www.youtube.com/watch?v=UCWaDxFnla8&ab_channel=CoastalCommunityBank! OVERVIEW Coastal Bank is seeking a highly analytical and strategic Director of Partner Credit Risk Management & Oversight to lead credit risk oversight across its Banking-as-a-Service (BaaS) partner ecosystem. This role will be responsible for developing and executing a robust second line credit risk framework that supports scalable growth while ensuring strong risk management across fintech partnerships and effective counterparty risk oversight. The ideal candidate has deep leadership experience in credit risk management and analytics within a regulated financial institution and a strong understanding of partner-based models, counterparty risk, and BaaS/fintech ecosystems. The Director will lead a Team of Partner Credit Risk Managers and serve as a key risk leader providing independent challenge, ensuring alignment with Coastal’s risk appetite, and safeguarding the financial integrity of partner programs. RESPONSIBILITIES TO INCLUDE - Lead, develop, and manage a team of Partner Credit Risk Managers responsible for oversight of partner credit programs - Establish and maintain a comprehensive second line oversight framework for all BaaS partner credi
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