Home Improvement Financing Risk Manager

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.

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Job Description

At Regions, the Business Unit Compliance Function Manager operates as a first, second, or third line of defense risk management expert that advises on business and/or product decisions. Associates at this level should have full ownership and be a Subject Matter Expert (SME) for one or more large or complex products, processes, or regulations, contributing to process change and redesign in addition to developing business plans, policies, and procedures to support a particular line of business. This position may manage 1-2 analysts and typically reports directly to the Business Unit Compliance Group Manager, the Head of a Division or a specialized Group Manager over a line of business i.e. Credit Products, Commercial, etc.

Primary Responsibilities

• Directs compliance reviews and provides oversight of legal entities, business units, and processes
• Advises leadership on key business and/or product decisions
• Provides requested information to regulatory agencies and advises management on potential and ongoing compliance issues
• Maintains expert level knowledge of rules and regulations and their impact on products, services and operations for a specific line of business
• Oversees the resolution of complex problems or transactions, where expertise is required to interpret against policies, guidelines or processes
• Oversees a monitoring and testing program to ensure effective compliance with all applicable laws and regulations
• Manages creation and delivery of training to assigned business area to increase compliance awareness
• May supervise day-to-day work of other professional level compliance associates
• May contribute to workflow or process change and redesign, and risk and control identification

Requirements

• Bachelor's degree and ten (10) years experience in compliance, quality assurance/control, audit or other related compliance function specific to a line of business
• Preferences: Masters degree, Certified Regulatory Compliance Manager Certification (CRCM)
• Skills and Competencies: • Ability to work independently • Deadline driven • Knowledge of legal and regulatory environment as it relates to compliance in a particular line of business • Organizational skills • Proficiency in Microsoft Office Suite • Strong Communication skills • Time management skills

Additional Job Description

The Home Improvement Financing Risk Manager is responsible for overseeing credit, operational, and third‑party risks within the unsecured home improvement lending portfolio. This role evaluates lending performance, monitors partner and contractor risk, and implements strategies to ensure responsible growth and compliance. The manager will analyze trends, identify emerging risks, strengthen controls, and collaborate with Product, Credit, Compliance, and Vendor Management teams to maintain a healthy, scalable third‑party lending program.

Preferred Experience

• Additional Preferred Experience: 5-7+ years of experience in consumer lending risk, indirect/third‑party lending, or specialty financing programs
• Background in home improvement financing, contractor networks, or point‑of‑sale lending models
• Experience with third‑party/vendor oversight, including performance monitoring, scorecard development, and risk assessments
• Advanced analytical capability, including experience building dashboards, risk models, segmentation strategies, or early‑warning indicators
• Familiarity with risk frameworks such as ORM, RCSA, control testing, and issue remediation
• Hands‑on experience with portfolio management tools (e.g., Python, R, Tableau, Power BI, SAS, SQL)
• Prior credit policy or underwriting strategy experience, especially in unsecured lending environments
• Knowledge of contractor acquisition, dealer management, or channel‑based lending programs
• Experience partnering with Compliance, Legal, and Product teams to implement policy changes, resolve findings, or support audits
• Strong project management skills, including ability to lead risk initiatives, process enhancements, and cross‑functional improvements

Position Type

• Full time

Compensation Details

• Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role.
• As these factors vary by individuals, pay will also vary among individual associates within the same job.
• The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.
• Job Range Target: Minimum: $135,303.85 USDMedian: $183,910.00 USD
• Incentive Pay Plans: This role is eligible to participate in the annual discretionary incentive plan. Employees are eligible to receive a discretionary award based on individual, business, and/or company performance.
• Opportunity to participate in the Long Term Incentive Plan.
• Benefits Information: Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions. • Paid Vacation/Sick Time • 401K with Company Match • Medical, Dental and Vision Benefits • Disability Benefits • Health Savings Account • Flexible Spending Account • Life Insurance • Parental Leave • Employee Assistance Program • Associate Volunteer Program

Location Details

• Location: Salt Lake City, Utah
• Equal Opportunity Employer/including Disabled/Veterans

Job Applications

• Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.