Overview Director, Credit Risk Unsecured Installment Lending (Hybrid onsite, Omaha NE) At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success. Summary The Director of Credit Risk will be responsible for creating, maintaining, and monitoring the credit risk strategies for Unsecured Installment loans of FNBO. This role requires analytical expertise with strong business knowledge of unsecured loan products and clear communication of complex topics. Key tasks include completing analytical work to determine best in class credit strategies, moving projects forward through compliance and business review and approval. The role involves managing sound UAT testing and problem solving for managing risk while maximizing partner and customer experience. This role is located in Omaha, NE. Key Accountabilities Manage the unsecured loans business within the approved risk appetite Develop, obtain approval, implement, and manage credit strategies for unsecured installment loan products Independently evaluate and analyze ongoing performance of portfolio/partners, including understanding root causes and improving underperformance and maximizing high performance Clear communication of complex analysis and strategy recommendations Collaborate with cross functional stakeholders to move the unsecured installment loan business forward Work with Product, Technology and Business teams to ensure quality and compliance of credit strategies Have a holistic view of how partner, product, term, and channel impact expected credit performance Support ongoing internal and external audits by maintaining strong documentation The Ideal Candidate For This Role Bachelor’s degree in Statistics, Data Science, Mathematics, Finance, Business or related field; advanced degree preferred 8+ years of experience in credit analytics, risk management, or a related field 3+ years in analytical tools (e.g., SQL, Python) Demonstrated expertise in understanding and developing credit strategies Strong knowledge of industry regulations and compliance requirements Exceptional communication and leadership skills, with the ability to influence stakeholders at all levels Ability to direct the resolution of highly complex or unusual business problems Proven track record of sound decision making practices Ability to manage competing and at time complex priorities – experience in fast paced environments Candidates must possess unrestricted work authorization and not require future sponsorship. Compensation Compensation range (base pay): $95,857.00-$162,957.00. This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level. Work Environment and Benefits Medical, Dental, Vision Insurance 401k, With Matching Contributions Time Off Programs Health Savings Account (HSA)/Dependent Care Employee Banking Growth Opportunities Tuition Assistance Short-Term/Long-Term Disability Insurance Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/ For additional information, e-mail FNBO at TAGAdmin@fnni.com. Include the job number in the subject line: R-20251384 Job number: R-20251384 Equal Opportunity & Belonging FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. FNBO believes that the quality of our employee experience is at the heart of our customer experience. Belonging means employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves. Learn more here. FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants). Application Deadline: All our jobs will be posted for a minimum of 5 calendar days. Seniority level Director Employment type Full-time Job function Finance and Sales Industries Banking

#J-18808-Ljbffr