Coastal
Financial Services
PartnerCreditRiskManager
Neural analysis suggests this role is
optimal for Manager candidates.
“Partner Credit Risk Manager at Coastal. Skills: Credit Risk Management, Partner Lending Programs, Portfolio Analytics, Regulatory Compliance. Lead partner lending program oversight. Govern partner lending programs”
Industry & Context.
Analytical skills; Quantitative skills; Problem solving
Sit for extended periods, Stand for extended periods, Repetitive finger movement, Use electronic office equipment, View computer screens, Occasionally stoop, Occasionally kneel, Occasionally crouch, Occasionally crawl, Occasionally lift up to 10 pounds
What They're Looking For.
Must Have
5+ years credit risk management, Experience managing partner lending programs, Experience in fintech or BaaS environments, Understanding of consumer and small business lending products, Knowledge of credit risk management frameworks, Knowledge of portfolio monitoring practices, Knowledge of second line of defense responsibilities, Understanding of regulatory expectations for partner banking, Experience evaluating underwriting strategies, Experience evaluating credit policies, Experience evaluating decisioning frameworks, Experience evaluating portfolio performance trends, Analytical and quantitative skills, Ability to manage multiple priorities
Nice to Have
CFA charterholder preferred, FRM preferred
What You'll Do.
Lead partner lending program oversight
Govern partner lending programs
Evaluate new partner relationships
Evaluate existing partner relationships
Evaluate underwriting strategies
Evaluate credit policies
Evaluate decisioning frameworks
Evaluate portfolio performance trends
Conduct ongoing monitoring of partner portfolios
Conduct risk reviews of partner portfolios
Identify emerging risks
Identify adverse trends
Identify concentration exposures
Identify operational control weaknesses
Identify portfolio performance deterioration
Provide independent review of partner credit strategies
Provide effective challenge of partner credit strategies
Provide independent review of partner policies
Provide effective challenge of partner policies
Provide independent review of program performance
Provide effective challenge of program performance
Provide independent review of risk mitigation practices
Provide effective challenge of risk mitigation practices
Collaborate with business development
Collaborate with product teams
Collaborate with compliance teams
Collaborate with third-party risk teams
Ensure partner programs operate within governance frameworks
Recommend corrective actions
Recommend policy enhancements
Recommend strategic adjustments
Serve as second line of defense
Provide independent oversight
Provide review of partner credit risk management practices
Provide challenge of partner credit risk management practices
Provide oversight of partner lending program performance
Provide challenge of partner lending program performance
Prepare portfolio risk assessments
Present portfolio risk assessments
Prepare trend analysis
Present trend analysis
Prepare emerging risk themes
Present emerging risk themes
Develop credit risk policies
Maintain credit risk policies
Develop credit risk standards
Maintain credit risk standards
Develop monitoring routines
Maintain monitoring routines
Develop reporting frameworks
Maintain reporting frameworks
Provide oversight of credit risk models
Provide oversight of decisioning frameworks
Ensure model validation
Ensure ongoing performance monitoring
Escalate material risk issues
Escalate control gaps
Escalate emerging concerns
Support regulatory examinations
Support internal audit engagements
Oversee risk strategies for consumer lending
Oversee risk strategies for small business lending
Monitor assigned partner portfolios
Monitor portfolio performance
Monitor delinquencies
Monitor concentrations
Monitor vintage trends
Analyze portfolio performance data
Analyze underwriting performance data
Assess underwriting effectiveness
Develop actionable risk mitigation recommendations
Recommend adjustments to credit policy
Recommend adjustments to underwriting criteria
Recommend adjustments to exposure limits
Recommend adjustments to partner agreements
Participate in portfolio reviews
Participate in stress testing
Participate in concentration risk assessments
How You'll Work.
Team & Collaboration
Senior management; Cross-functional stakeholders; Business development; Product teams; Compliance teams; Third-party risk teams; Internal teams; External partners
Communication Scope
Effective communication; Presentations
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 Community Bank is seeking a highly skilled and experienced Partner Credit Risk Manager to support oversight of the Bank’s partner lending programs across consumer and business portfolios. This role operates within the second line of defense and is responsible for providing independent risk oversight, effective challenge, analytical review, and ongoing monitoring of partner credit programs to ensure alignment with the Bank’s credit risk appetite and regulatory expectations. The ideal candidate brings strong expertise in credit risk management, portfolio analytics, and partner oversight within fintech, embedded finance, or Banking-as-a-Service (BaaS) environments. This individual will manage an assigned portfolio of partners and be responsible for independently analyzing portfolio performance and underwriting trends, reviewing and challenging partner credit policy proposals, developing actionable risk insights, and communicating recommendations effectively to senior management and cross-functional stakeholders. The role will collaborate closely with internal teams and external partners to promote a strong risk culture and maintain a w
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