As the nation's largest community credit union, we begin every day focused on delivering superior financial products and services for our 1.3 million members and more than $30 billion in managed assets. Our work has an economic impact as we support our members' financial goals. We are unapologetic about being devoted to our members and the communities we serve. Our business is guided by our people helping people philosophy – which includes our team members. BECU has been in business for more than 85 years, driven by unwavering core values and a dedication to improving the communities we serve. While we have a rich history, the future of our company, accelerated by business and technology transformation, is even brighter. There's never been a better time to work for BECU. To learn more visit becu.org/careers. **PAY RANGE** The Target Pay Range for this position is $164,200.00-$200,600.00 annually. The full Pay Range is $127,900.00 - $237,200.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. **BENEFITS** Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Employees have access to disability and AD&D insurance. We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan. Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here . **IMPACT YOU'LL MAKE:** As the Senior Manager Credit Risk Officer, Unsecured at BECU, you'll play a crucial role in shaping and executing credit risk strategies across various portfolios, including Consumer Real Estate, Consumer Auto & Other Secured Loans, Consumer Unsecured, and Business Banking. Your work will ensure that BECU maintains a balanced risk profile while meeting members' needs. You’ll oversee a team of Credit Risk Strategy Analysts, driving initiatives that adhere to governance standards and comply with federal and state regulations. By fostering strong relationships with key stakeholders and presenting at executive-level meetings, you'll contribute to the organization's strategic direction and financial health. **WHAT YOU'LL DO:** + **Credit Risk Management:** Develop and manage credit risk strategies across BECU's portfolios, ensuring compliance with federal and state regulations. + **Committee Participation:** Present and participate as a member of the Credit Risk Committee, Board, and Executive Management meetings. + **Team Leadership:** Manage and develop a team of Credit Risk Strategy Analysts, overseeing resource allocation, employee development, and departmental administration. + **Risk Appetite & Strategy:** Lead changes to risk appetite and support credit risk initiatives in areas such as portfolio origination, account management, and loss mitigation. + **Market Analysis:** Identify strengths, weaknesses, opportunities, and threats within BECU's portfolios, staying informed of economic trends and industry best practices. + **Decision Engine Optimization:** Optimize lending and account management decision engines to align with risk strategies and enhance member experience. + **Policy Documentation:** Develop and oversee consistent documentation of BECU's policy framework, including policies, guidelines, procedures, and standards. + **Regulatory Compliance:** Maintain effective communication with regulatory bodies and ensure compliance with all relevant regulations. + **Vendor Management:** Manage vendor contracts to ensure cost-efficient and quality service for BECU members. + **Employee Development:** Coach, mentor, and train staff, conducting regular performance reviews and supporting career development. + **Operational Oversight:** Ensure timely and accurate service delivery, setting departmental goals aligned with BECU's objectives. + **Audit & Reporting:** Maintain operational audit and management information reporting, including statistical records. This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered. **WHAT YOU’LL GAIN:** + Impact the direction of BECU's credit risk strategies and policies. + Opportunities to lead and mentor a team of talented analysts. + Work with various departments and stakeholders to shape BECU's risk management practices. + Access to continuous learning and development in credit risk management and leadership. **QUALIFICATIONS:** **Minimum Qualifications:** + Bachelor’s degree in business, finance, mathematics, or economics, or equivalent work or educational experience. Graduate degree preferred. + Minimum 5 years of relevant credit risk management and credit risk analytics experience, including a focus on areas such as Consumer Credit Card and/or Consumer Unsecured (Personal loan or line of credit). + Minimum 5 years of management experience. **Desired Qualifications:** + Proven ability to collect data, establish facts, draw valid conclusions, and formulate recommendations. Ability to manage multiple projects simultaneously and adapt to changing circumstances. + Proficient in PC skills, including Microsoft Office (Excel, Word), with the ability to quickly learn new software. + Advanced experience with quantitative software and database querying tools (e.g., SAS, SQL, Python) and presentation development software (e.g., Tableau, PowerBI, PowerPoint). + Demonstrable knowledge of industry practices, regulatory restrictions, and lifecycle risk management philosophies. + Proven ability to perform portfolio analysis and articulate risk management outcomes. + Proven leadership and negotiation skills, with the ability to build and lead cohesive, cross-functional teams. **JOIN THE JOURNEY** Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role, but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney **EEO Statement:** BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status. **Job Alerts:** If you would like to be kept informed of new potential opportunities, click here (https://becu.wd1.myworkdayjobs.com/en-US/External/jobAlerts) . You will be asked to create an account if you do not already have one. From our very beginning, BECU has been about people helping people. As a financial services cooperative, our purpose has and always will be the same: we work together to best serve our members and improve the financial well-being of our community. More than 80 years and one million members later, we're still rooted in our values, practices and mission - and even more passionate about our future. As one of the nation's leading credit unions, we're not driven by profit. We're owned by our members and their interests are at the core of everything we do. Now we're growing faster than ever before--but we'll never forget our roots. To continue doing right by our members, we believe we must first do right by our people. Here, you'll receive the resources and support you need to learn, grow and build a meaningful career. Because we know it's our people who make us special.