Position Summary
The Senior Credit Policy Analyst will own the credit policy infrastructure that highlights our fintech-driven lending business. This role will draft, maintain, and continuously refine the policies and underwriting criteria governing a diverse portfolio of fintech relationships, embedded banking programs, and specialty credit initiatives - ensuring everything Quill Bank does is grounded in sound credit judgment, defensible to regulators, and fit for purpose in a dynamic market.
This is a high-visibility, high-ownership role. This role will collaborate directly with Risk, Compliance, Legal, and external program fintechs - and you will regularly present policy updates to senior leadership and internal governance committees.
Key Responsibilities
Credit Policy Development & Maintenance
- Draft, update, and maintain credit policies, underwriting criteria, and exposure limits for all fintech-driven and specialty credit programs.
- Conduct regular policy reviews to ensure alignment with portfolio performance, regulatory guidance, and evolving program structures.
- Track and document policy exceptions, identify trends, and escalate recurring issues to senior leadership with clear, actionable recommendations.
- Evaluate new program proposals and develop or refine the applicable policy framework prior to launch.
Portfolio & Program Support
- Monitor credit quality, loss trends, and early warning indicators across fintech portfolios while feeding insights directly into policy updates and governance reporting.
- Serve as a subject-matter expert on credit policy for fintech and program fintechs - fielding questions, reviewing proposed model changes, and advising on program modifications.
- Support fintech onboarding due diligence from a credit policy perspective, ensuring new programs are structured within the Bank's risk appetite.
Regulatory & Governance Compliance
- Ensure all credit policies meet applicable regulatory requirements and internal governance standards.
- Maintain organized policy documentation in support of regulatory exams, audits, and internal reviews.
- Partner with Compliance, Legal, and Risk teams to proactively incorporate regulatory changes into the policy framework.
Collaboration & Communication
- Translate credit strategy into clear, workable policy language that internal teams and external fintechs can understand and apply consistently.
- Present policy updates, exception trends, and program recommendations to internal governance committees and senior leadership.
- Contribute to a culture of credit discipline and continuous improvement across the organization.