ABOUT US

Coastal Community Bank is a leader in banking, specializing in Banking-as-a-Service (BaaS) and fintech strategies powered by a strong financial infrastructure. The people at Coastal not only help people with their personal banking; our teams help businesses integrate banking technology that drives growth, enables flexible financing, and unlocks new possibilities. We think and work like entrepreneurs—constantly innovating, improving, and moving forward. We are go-getters who work hard and play hard. If you're someone who thrives on innovation, wants to help others succeed, knows how to think outside the box, and believes that we're all in this together—you belong here.

OVERVIEW

As a Consumer Credit Risk Manager I, you will support credit relationships and portfolio quality for fintech partners within CCBX, our Banking-as-a-Service (BaaS) division. You will work with internal teams to uphold underwriting standards, portfolio analytics, and regulatory compliance, assisting in policy approvals, audits, and credit risk assessments. Using data analytics, you will help monitor credit strategies while gaining experience in risk evaluation and partner collaboration. This role is ideal for those looking to develop expertise in credit risk management and fintech partnerships.

RESPONSIBILITIES TO INCLUDE

• Manage partner credit relationships, fostering collaboration between internal departments and fintech partners.
• Support the development and implementation of partner credit policies, risk frameworks, and underwriting processes.
• Conduct basic portfolio analytics to identify trends, assess credit risks, and generate reports.
• Assist in monitoring credit loss rates, delinquency trends, and default rates.
• Ensure compliance with banking regulations, fintech policies, and industry standards.
• Work cross-functionally to support credit strategy initiatives within the CCBX division.

QUALIFICATIONS

• Excellent communication and relationship management skills with the ability to communicate at all levels throughout an organization.
• Strong analytical mindset with the ability to interpret complex data sets, identify trends, and make data-driven decisions to optimize credit risk management and partner relationships.
• Basic understanding of credit risk frameworks and portfolio analysis.

EDUCATION/EXPERIENCE

• Bachelor’s degree in Business Administration, Economics, Finance, or a related field; OR an equivalent combination of education and relevant experience.
• 5+ years of relevant experience in financial risk analysis, lending operations, or fintech credit assessment.
• Foundational understanding of credit scoring models, forecasting methodologies, and credit risk analytics, with experience supporting dashboard development, reporting accuracy, and regulatory compliance adherence.
• Foundational experience with credit card and consumer lending product lifecycle, including acquisition strategies, balance transfer, and portfolio management functions such as credit line management, high-risk accounts mitigation, and collections.
• Basic proficiency in data tools and software, including Python, R, or SQL.
• Intermediate proficiency in MS365 tools, including Excel, Outlook, PowerPoint, and Word for communications and coordination, financial reports, presentations, and policy documentation.

HOW YOU’LL THRIVE AT COASTAL

• Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development.
• Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.
• Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.
• Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box.
• Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.
• Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence.

BEING YOU AT COASTAL

Coastal Community Bank is an equal opportunity employer. We are committed to providing a workplace free from discrimination and harassment. All employment decisions are based on merit, qualifications, and business needs. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected status under applicable laws.

PHYSICAL DEMANDS

The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee must be able to:

• Sit for extended periods of time.
• Stand for extended periods of time.
• Perform repetitive finger, hand, and arm movement.
• Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc.
• View and read computer screens for extended periods.
• Occasionally stoop, kneel, crouch, or crawl.
• Occasionally lift or move up to 10 pounds.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

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