Owns the consumer credit reporting and Fair Credit Reporting Act risk governance program. Leads Metro 2 file creation, data quality audits, CRA submissions, dispute management, root cause analysis, regulatory compliance, and exception resolution. Manages Dispute Analysts, oversees SLAs and quality assurance, and partners with Legal, Risk, Operations, and Engineering on automation, system enhancements, and continuous process improvement.

Lead credit strategy for the powersports portfolio by analyzing origination and loan performance data, designing underwriting and pricing strategies, documenting credit policy, monitoring KPIs, validating risk processes, and presenting insights to senior leadership and external partners.