Figure Lending - Chief Credit Officer

• Lead an organization of credit professionals directly accountable for managing risk across a diverse lending portfolio, including Home Equity products. • Set enterprise-wide credit risk strategy across originations, pricing, portfolio management, and collections to drive the best outcomes for the lender and investor. • Chair the Credit Committee and engage directly with the CEO and Board of Directors on all credit-related matters. • Develop and iterate on proprietary loan products, leading risk analysis and consumer iterations to find perfect product/market fit. • Drive automation efforts to compress the funnel from application to final approval, utilizing technology to remove legacy industry inefficiencies. • Act as the primary liaison to regulatory bodies such as the OCC, FRB, and FDIC, ensuring all credit risk matters align with evolving supervisory expectations. • Oversee loss forecasting, financial modeling, and stress testing (CCAR) methodologies to provide senior management with thoughtful analysis of key credit drivers. • Build and manage relationships with investors, managing pricing, hedging, and warehouse functions. • What We Look For • What We Look For • 15–20+ years of experience in credit risk management and portfolio oversight. • Extensive background in Mortgage and Home Equity credit risk, including LTV/CLTV management and valuation models. • Proven success working outside of a "Big Bank" environment for a portion of your career, thriving in agile, high-growth, or startup settings. • Demonstrated ability to develop a systematic secondary marketing group and manage primary/secondary market inefficiencies. • Advanced understanding of loss forecasting and the conceptualization of investment logic to automate credit decisioning. • Proven track record of managing remediation efforts and maintaining strong relationships with federal regulatory agencies.