Description

Summary

The Consumer Finance Direct Lending Portfolio & Risk Specialist plays a key role in overseeing the credit risk performance of the Direct Lending portfolio, including unsecured and/or secured consumer lending products. This position is responsible for ongoing portfolio monitoring, risk identification, performance analysis, and supporting sound credit practices through data-driven insights, policy development, and cross-functional collaboration. The Specialist partners closely with Risk, Credit, Product, Operations, and Technology teams to ensure portfolio strategies align with regulatory expectations, company risk appetite, and business objectives.

Key Responsibilities

• Monitor and analyze direct lending portfolio performance to identify emerging credit quality trends, deterioration risks, and opportunities for improvement.
• Conduct ongoing portfolio risk assessments, including delinquency, loss, vintage, and concentration analysis.
• Prepare and deliver clear, concise portfolio reporting, dashboards, and executive summaries highlighting key performance indicators and risk metrics.
• Identify economic, operational, and credit risk impacts to the portfolio and recommend mitigation strategies.
• Support the development, review, and maintenance of credit policies, procedures, and risk governance documentation.
• Participate in and support User Acceptance Testing (UAT) for system changes, credit strategy enhancements, and new product initiatives to ensure alignment with credit policy and risk controls.
• Collaborate with cross‑functional partners (Credit, Compliance, IT, Operations, Product, and Analytics) to implement portfolio strategies and process improvements.
• Ensure documentation and analysis meet regulatory, audit, and internal risk management standards.
• Assist with special projects, regulatory exams, internal audits, and ad hoc risk initiatives as assigned.

Required Qualifications

• 5–10 years of experience in consumer lending, portfolio management, credit risk, underwriting, or a related discipline.
• Strong knowledge of direct lending products and consumer credit risk principles.
• Minimum of 4 years of experience in a portfolio risk, credit risk, or analytical role.
• Demonstrated ability to analyze complex data and translate findings into actionable insights.
• Strong written and verbal communication skills, with the ability to present risk concepts clearly to diverse audiences.
• Highly detail‑oriented with strong organizational and documentation skills.
• Proven ability to write and maintain credit policies and procedures.
• Experience working in or supporting a UAT testing environment.
• High school diploma or equivalent required (Bachelor’s degree preferred).

Preferred Qualifications

• ACAPS (or similar risk/credit certification) experience preferred.
• Experience supporting regulatory exams and internal audits.
• Familiarity with consumer credit models, scorecards, or risk-based pricing frameworks.
• Advanced proficiency in Excel and experience with portfolio reporting or analytics tools.
• Bachelor’s degree in Finance, Economics, Business, Risk Management, or a related field.

Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)

Workplace Type:

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds:  in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Huntington will not sponsor applicants for this position for immigration benefits, including but not limited to assisting with obtaining work permission for F-1 students, H-1B professionals, O-1 workers, TN workers, E-3 workers, among other immigration statuses. Applicants must be currently authorized to work in the United States on a full-time basis.

Huntington is an Equal Opportunity Employer.

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Note to Agency Recruiters:  Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume.  All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.