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Crescent Bank

Senior Vice President of Pricing and Credit Policy

Carrollton, TX

Senior Vice President of Pricing and Credit Policy

Carrollton, TX, 3350 Boyington Dr, Carrollton, Texas, United States of America Req #588

Monday, February 26, 2024

About the Position:

Reporting to the Chief Analytics and Credit Officer, this individual will be responsible for developing business strategies to drive profitable growth through pricing and credit policy changes for Crescent Bank's Indirect Auto line of business. This role will require strategic planning and actively managing an agenda with a 3 to 24-month horizon.

What we are looking for:

The role requires one to be passionate about delivering results, be an innovative and strategic thinker, learn quickly, is self-motivated, detail oriented, a team player and can sift through voluminous amounts of information to pinpoint which items are relevant to understanding business results. It also requires the ability to apply knowledge of business and use balanced judgment in interpretation of data (analytics). The position will be responsible for preparing crisp presentations supplemented with analysis provided to the Executive team within Crescent Bank.

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Duties and Responsibilities:
  • Direct ownership of Indirect Auto's Loan Policy
  • Own profitability and pricing models
  • Accountable for Approval Rate, Cashing and Book to Look targets
  • Actively identify and manage profitability at the sub-segment level
  • Manage 3 to 5 direct reports. Set their agenda, provide coaching and ensure quality work is produced by all team members
  • Develop a roadmap for credit policy expansions through test and learn strategies
  • Create Analytical frameworks to evaluate different solutions to risks and opportunities.
  • Use Analytical techniques, for example past performance, testing, statistical modeling, and financial modeling to ground the value of different solutions.
  • Monitor performance of a business area and tests being performed in that business area. Draw insight from the monitoring to identify opportunities for business improvement.
  • Works effectively as part of a team atmosphere to perform duties and achieve daily operational goals
  • Meets productivity standards in accordance with Crescent Bank's confidentiality policies and organizational values
  • Performs additional duties as needed within the department
About Crescent Bank:

Crescent Bank began in 1991 as a small New Orleans based community bank. Today, Crescent Bank has a presence nation-wide and is on a mission to leverage technology to provide auto lending and savings access to consumers who may not be served by other traditional banking products.

Crescent Bank prioritizes employee growth and advancement- both as employees and as individuals- through our core values and through the benefits we offer.

Our Core Values include: Be a Team Player, Continuously Improve, Do the Right Thing, Put the Customer First, & Take Ownership

We are proud to offer the following key benefits:
  • Workplace flexibility for eligible positions
  • All the insurance programs you'd expect- health, dental, vision, life, disability, + more
  • Multiple types of paid time off
  • Retirement program with company contribution
  • Paid parental Leave
  • Tuition Reimbursement
  • Payroll on Demand- access your pay when you need it most.
Additional Information:
  • Bachelor's Degree plus 5 years of experience in quantitative analysis,
  • At least 5 years of experience in consumer finance Pricing and Credit Policy
  • At least 3 years of experience working with statistical models
  • At least 1 year of experience in people management
  • Strong analytical and model development skills and advanced knowledge of Excel and data mining tools such as SQL, SAS, R, or Python.
  • Track record of delivering improved business results.
  • Demonstrated experience building long-term relationships with strategic business partners.
  • Ability to work independently with minimal supervision as well as function within a team environment.
  • Effective verbal and communication skills.
  • Ability to manage multiple projects and deliver results on time.
  • Project and time management skills; specifically, the ability to execute project plans across diverse teams in order to successfully meet corporate objectives
Equal Opportunity Employer/Veterans/Disabled

Other details
  • Pay Type: Salary
  • Employment Indicator Performance Award

Client-provided location(s): Carrollton, TX, USA
Job ID: Crescent-5249
Employment Type: Other

Perks and Benefits

  • Health and Wellness

    • Health Insurance
    • Dental Insurance
    • Vision Insurance
    • Life Insurance
    • Short-Term Disability
    • Long-Term Disability
    • FSA
  • Parental Benefits

    • Birth Parent or Maternity Leave
    • Non-Birth Parent or Paternity Leave
  • Work Flexibility

    • Remote Work Opportunities
  • Office Life and Perks

    • Casual Dress
    • Snacks
  • Vacation and Time Off

    • Paid Vacation
    • Paid Holidays
    • Personal/Sick Days
    • Leave of Absence
  • Financial and Retirement

    • 401(K) With Company Matching
    • Performance Bonus
  • Professional Development

    • Tuition Reimbursement
    • Promote From Within
  • Diversity and Inclusion

    • Diversity, Equity, and Inclusion Program