VP, Credit and Pricing Strategy Job Listing at Travis Credit Union in Vacaville, CA (Job ID oQ07xfwe)

Description

Candidates must reside within a commutable distance to the communities that Travis Credit Union serves:   Alameda, Colusa, Contra Costa, Merced, Napa, Placer, Sacramento, San Joaquin, Solano, Sonoma, Stanislaus and Yolo counties.  This position is considered hybrid so you must be within a commutable distance to our corporate headquarters in Vacaville, CA.    Summary: The VP of Credit and Pricing Strategy leads the Lending Strategy department within Travis Credit Union's (TCU) lending business. This role is responsible for developing and executing credit policies, optimizing risk and profitability trade-offs for loan originations and portfolio management, setting and implementing loan pricing strategies, and overseeing secondary market and third-party partnership activities. The role ensures alignment with organizational goals, regulatory requirements, and market competitiveness, driving sustainable growth and risk-adjusted returns across all lending products in a >$4 billion portfolio.   Principal Responsibilities: 

• Owns the development, implementation, and ongoing refinement of credit policies and underwriting criteria for all lending products.
• Analyzes risk and profitability trade-offs to optimize loan originations and portfolio performance.
• Leads the design and execution of loan pricing strategies, ensuring competitive rates and alignment with business objectives; in support of this, is a key participant in the credit union's ALCO.
• Manages secondary market activities, including partnerships and loan sales, to maximize portfolio value and strategic flexibility.
• Oversees a team of analysts supporting credit, pricing, secondary market, and data analytics functions.
• Collaborates cross-functionally with Lending, Finance, Product, and 2nd line Risk and Compliance teams to deliver strategic initiatives.
• Monitors and reports on key performance indicators, portfolio trends, and market benchmarks to inform decision-making.
• Ensures compliance with regulatory standards and internal policies.
• Drives continuous improvement through data-driven insights, innovation, and process optimization.

              Skills: 

• Deep understanding of credit risk, loan pricing, and portfolio management principles.
• Strong strategic thinking and problem-solving abilities.
• Excellent communication and presentation skills, with the ability to convey complex concepts to senior leadership.
• Leadership and team management experience, including coaching and developing direct reports.
• Ability to manage multiple priorities in a fast-paced, dynamic environment.
• Knowledge of regulatory requirements and compliance in consumer lending.
• Collaborative and adaptable, with strong interpersonal and negotiation skills.

  Supervisory Relationships:

• Reports directly to the SVP, Chief Retail and Lending Officer.
• Direct supervisory responsibility for assigned credit, pricing, secondary market, and data analysts.

  Experience and Education: 

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business Administration, or a related quantitative discipline, required; Master's degree preferred.
• 10+ years of experience in financial services, with a focus on credit risk management, loan pricing and strategy, required.
• 5+ years of people management experience, leading teams in credit, pricing, and/or analytics functions, required.
• Demonstrated experience in developing and executing credit policies, pricing strategies, and secondary market activities, required.
• Proven track record of driving risk-adjusted returns and portfolio optimization in a lending environment, required.
• Experience with regulatory compliance and reporting in consumer lending, required.

  Compensation: Base salary starting range: $190,000 annually - $300,000/annually is commensurate with experience.   Our compensation philosophy is based on several factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, and key skills. At Travis Credit Union, our priority is that our employees and their loved ones are provided with a Total Rewards program that ensures their health and welfare safety which allows our employees to focus on the financial welfare of our members and the credit unions objectives.  As such, Travis Credit Union offers a robust benefits package to our eligible employees, including competitive medical, dental, and vision insurance, mental health offerings, employee performance incentive plan, merit increases, 401(k) program with immediately vested employer match, generous holiday and vacation policy, and extensive TCU specific perks like employee loan and credit card discounts! Travis Credit Union is an Affirmative Action Employer EOE/Individual with Disability/Veteran Status    #traviscu

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