Credit Risk Manager

Please Note: This is a Utah-based hybrid position, which will require some regular in-office days each week. Additionally, employment with Medallion Bank is contingent on passing both a background check and maintaining a clean background.

Who we are: 

At Medallion Bank we finance fun! We are an industrial loan bank that specializes in providing consumer loans for the purchase of recreational vehicles, boats, home improvement, and offering loan origination services to fintech partners. We work directly with thousands of dealers, contractors and financial service providers serving their customers throughout the United States. Medallion Bank is a small company with a big impact. We recognize our employees as our greatest asset and have a culture to prove it! 

How you will support the team:

Analytical professional responsible for supporting credit risk management across Medallion Bank's Recreation Lending and Home Improvement Installment portfolios. Reports to and works closely with the VP, Senior Credit Officer to deliver actionable data insights, credit policy analysis, and portfolio reporting that drive sound credit decisions and inform risk strategy. 

What you will do:

• Design, build, and maintain KPI/KRI dashboards tracking portfolio health metrics including approval rates, delinquency, loss rates, utilization, and vintage performance across Recreation and Consumer Installment portfolios. 

• Produce vintage curve and delinquency analyses to identify emerging risk trends and inform timely policy adjustments. 

• Conduct credit policy rule analyses — including underwriting rule-sharing studies across product lines — to assess policy effectiveness, overlap, and optimization opportunities. 

• Develop and deliver regular executive-level credit reports summarizing portfolio performance, risk segment trends, and key risk indicators for senior management and committee audiences. 

• Support ad hoc analytical requests from the leadership, including scenario modeling, competitive benchmarking, and credit strategy evaluation. 

• Partner with Data Analytics and Finance teams on data acquisition, model validation support, analytics support, report building and use as a general resource for success. 

• Assist in maintaining and enhancing credit underwriting documentation, policy memoranda, and governance materials. 

• Perform other duties as assigned. 

What you need to do that job:

• Strong proficiency in statistical programming — R, Python, or SAS — for data wrangling, analytics pipelines, and visualization. 
• Advanced Excel skills including pivot tables, financial modeling, and chart production for executive reporting. 
• Solid understanding of consumer credit fundamentals: underwriting criteria, credit scoring, risk segmentation, delinquency measurement, and loss attribution. 
• Ability to translate complex data analyses into clear, executive-ready presentations and written summaries. 
• Highly organized with strong attention to detail and the ability to manage multiple deliverables concurrently. 
• Collaborative, communicative team player who works effectively across credit, analytics, finance, and product functions. 

What you bring with you:

• Minimum 5 years of experience in credit risk, financial analytics, or a related quantitative role within banking, fintech, or consumer finance. 

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field required. 

• Demonstrated experience producing portfolio monitoring reports and/or credit performance analytics. 

• Prior exposure to consumer installment, recreation (RV/marine/powersports), or specialty lending portfolios is a plus. 

• Experience with SQL and/or data warehousing platforms (e.g., Snowflake, SQL Server/SSMS) is preferred. 

Environment:

• In office work required with some hybrid work permitted. 
• Overtime and some travel may be required periodically.  

Compensation & Benefits:

• Competitive salary and performance-based incentives
• Health, dental, and vision insurance
• 401(k) with company match
• Paid time off and holidays
• Professional development opportunities