OppFi is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through best-in-class customer service, transparency, responsible lending, and financial inclusion, we support consumers, who are turned away by mainstream options, to build better financial health.

We are a team of caring, innovative, and inclusive individuals who thrive in being immersed in diverse talents, expertise, perspectives, and backgrounds. Our employees approach every new challenge with an unparalleled ability to see what could be rather than settle for what is. Our business principles guide us and create an open and collaborative culture where we improve 1% every day, and the best ideas always win! We welcome individuals who want to make an impact in the financial system by facilitating credit access, expanding financial inclusion, promoting financial health, and delivering exceptional customer service.

A few other fun facts about us. OppFi is one of the top consumer-rated financial platforms online, maintaining a 4.5/5.0-star rating on Trustpilot. We are a 2023 Crain’s Fast 50™ company and were named on Built In's 2024 Best Places to Work in Chicago.

About the job:

Reporting to our Chief Operating Officer, you will lead, develop, and coordinate the implementation of first line of defense Risk management programs.

What you get to do:

Manage and develop the Operational Risk team.
Partner with senior leadership to create risk-management strategies to ensure key risks are appropriately identified and managed.
Oversee business line adherence to the Issue Management Policy, including the front-line-unit implementation of the program requirements; partner with business lines to remediate issues promptly and thoroughly.
Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
Collaborate with senior leadership and business units to integrate risk considerations into strategic planning and business objectives.
Partner with other functions (e.g., Compliance) to ensure alignment with broader risk management and governance initiatives.
Support the business through internal/external audits or regulatory examinations and assists in development of action plans to resolve any identified issues.
Continually improve the Operational Risk team’s operating model and reporting to more effectively and efficiently fulfill its mission.

What you will bring to the team:

10+ years of work experience in the area(s) of banking, compliance and risk management and process engineering.
5+ years of work experience leading teams.
Relevant experience designing and operationalizing risk/compliance programs identifying, monitoring and mitigating consumer regulatory risks (e.g., SCRA, Fair Lending, UDAAP, AML/BSA, Privacy etc.)
Experience in Financial Services sector (e.g., banking, insurance, payment), FinTech, or knowledge with digital financial products and platforms.
Experience driving transformation or change projects and ability to surface and implement opportunities for innovation and improvement.
Broad risk management experience with an understanding of the three lines of defense, approaches for evaluating control effectiveness and the ability to evaluate trends, identify root cause, and provide quick resolution.
Understanding of essential elements of compliance management systems including direct experience in complaints management, customer-level remediation and MRA resolution.
Excellent written, verbal and team-management skills.
Ability to interact and present to all levels in an organization including C-suite stakeholders and regulators.

Reports to: Chief Operating Officer

Job Level: Director

Total Rewards and Benefits:

At OppFi, we are committed to fostering a fair and equitable workplace. The compensation range for this role reflects our good faith compensation estimate for this position. Final offers are determined based on a myriad of factors including, but not limited to experience, skills, qualifications, and other relevant business considerations. Candidates are encouraged to discuss compensation expectations during the hiring process. In addition to base pay, the total compensation package includes eligibility and potential for performance-based bonuses and equity grants dependent upon the role and job level.

OppFi offers a flexible, remote environment, 401(k) matching program, and generous paid time off. Other benefits include medical, dental, and vision coverage, and tuition reimbursement. Additional benefits include DoorDash DashPass, Figo pet insurance, Rocket Lawyer, and access to LinkedIn Learning. OppFi also offers Fringe, a lifestyle benefits platform that allows employees to decide how to spend rewards from dozens of vendors like Uber, DoorDash, and UrbanSitter. #LI-Remote

Compensation Range:

$123,200 - $184,800USD

EEO Statement:

OppFi is an equal opportunity employer and does not discriminate based on any actual or perceived legally recognized protected bases under local, state, federal law, or regulations. Our goal as a company is to build an equitable workplace that actively works to dismantle systems of oppression in our processes, procedures, and interactions. We aim to help our employees thrive where they work and beyond. Check out our Culture page here.

As part of OppFi’s commitment to providing equal opportunity to qualified individuals, OppFi will ensure that persons with disabilities are provided reasonable accommodation as defined by applicable laws and organizational policies. If reasonable accommodation is needed to participate in the job application or interview processes or job requirements, please contact our People Team at recruiting@oppfi.com.

Pursuant to the requirements of the California Consumer Privacy Act, OppFi is providing the "OppFi California Employee Privacy Policy", which details the categories of personal information collected and your rights under the policy. If you are a California resident, please review the policy here: https://www.oppfi.com/careers/.

The information in this document is for general informational purposes only. It is not intended to be an all-inclusive list or description of the organization and its requirements for positions and employees. OppFi reserves the right to modify or change the information on this document at its discretion.