Associate Director, Credit Strategy and Management

First Help Financial (FHF) is a fast-growing and culturally diverse company in the U.S. We provide auto loans to the underserved and care for our customers and partners with exceptional service. Through flexible financing options and tri-lingual support, we offer consumers an easier way to finance their first car. We lend to and support our portfolio which has consistently grown 30%+ each year over the last nine years.

Here you will find hard-working colleagues who come from over 20 countries. We hold ourselves to the highest standards of professionalism but also enjoy our work. Our culture and benefits are geared towards making you successful in life and comfortable at work.

Your Title: Associate Director, Credit Strategy and Management

Your Location: Remote/Anywhere in the US

You Report To: Director, Credit Program Management

Your Compensation: $122,000 base salary plus a bonus depending upon experience

Learn more about our awesome Credit Division Team!

About the Opportunity:

First Help Financial, voted and certified as a “Great Place to Work” by our workforce for five years in a row, is adding a new partner to our Credit Division team to accommodate our remarkable growth! This role will report to the Director of Credit Program Management and will play a key hands-on role in designing, implementing, and continuously improving our credit programs. This position is ideal for a technically strong, analytically driven credit professional who enjoys partnering cross-functionally and turning strategy into execution.

What you will do:

Your duties include, but are not limited to: 

• Support the development and enhancement of next-generation credit programs, including market segment identification, competitor analysis, and credit rule design.
• Translate business needs into clear business requirements and contribute to project plans, timelines, and delivery milestones.
• Collaborate with operational departments (Sales, Credit, Funding, Servicing, and others) to improve program performance and customer outcomes.
• Manage and execute program initiatives from concept through launch, ensuring alignment with business objectives.
• Collaborate with Analytics team to track and analyze program performance using data and analytics; recommend optimizations based on results and risk trends.
• Contribute to credit policy, guidelines, and decision management frameworks across lending products.
• Partner closely with Technology and Data teams to support implementation of AI automation, APIs, and credit decisioning tools.
• Prepare materials and present updates on program performance, risks, and initiatives to leadership.
• Coordinate with internal stakeholders to ensure effective communication, issue resolution, and on-time delivery of projects.
• Manage, track, raise issues, and facilitate solutions related to LOS TSP tickets.
• Mentor junior team members or analysts as needed and contribute to a collaborative team culture.

What you bring:

• 10+ years of experience in Underwriting and program management support experience at FHF (either in Underwriting, CSO, or Sales).
•  Business UAT case management and design experience preferred.
• 5+ years of experience in managing a team.
• Experience working closely with engineering and data teams and confidently “speak the language” of technology to support real-world system implementations.
• Experience gathering competitor intelligence and contributing to credit risk policy and program design.
• Strong oral and written communication skills, with experience presenting to senior management.
• Highly organized with strong attention to detail and execution discipline.
• Project Management Professional (PMP)® certification is preferred.

FHF Benefits…

• Great Perks – We offer generous salaries, competitive health and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave and much more), paid  vacation, 401(k) match, tuition reimbursement, social activities, monthly lunches, a robust employee recognition and talent development program to enhance your career with us.
• Culture - We are believers in maintaining a healthy work-life balance. While we work hard and care deeply about our customers and partners, we want you to have room for your family, friends, and yourself.
• Growth - Company growth provides unprecedented career growth.  FHF’s extraordinary year over year growth in revenue and new markets provides opportunity for you to establish and develop your career growth.  We engage each employee to build a career plan that benefits everyone and we have a proven record of investing in you.
  

Diversity and Inclusion

FHF is committed to building a culture that respects and embraces all walks of life, inclusive of gender, race, culture, age, sexual orientation, and other identities. We will make accommodations when interviewing anyone with special needs.