• Provide strategic and operational leadership for the underwriting organization. • Drive performance, scalability, and consistency across all lending channels. • Build a high-performing organization that delivers sound credit decisions. • Maintain regulatory compliance and support company’s growth objectives. • Lead enterprise-wide collaboration across Sales, Operations, Capital Markets, Product, Risk, Compliance, and Technology. • Enhance underwriting capabilities, improve efficiency, and elevate customer and employee experience. • Set and execute a forward-looking underwriting vision aligned with corporate growth. • Contribute to enterprise decision-making and cross-functional strategic initiatives. • Champion continuous improvement through modernization of processes and tools. • Establish performance frameworks, KPIs, and accountability measures for quality and speed. • Optimize organizational structure and resource allocation. • Oversee end-to-end underwriting execution across all products and channels. • Partner with Technology to advance automation and decisioning tools. • Develop and mentor senior underwriting leaders to build a strong leadership bench.

• Partner with key stakeholders to manage the formulation of strategic credit policy for AHL, maintaining objective and robust credit boundaries. • Translate credit strategy into clear, actionable, and consistently applied underwriting guidelines. • Maintain a single source of truth for underwriting guidelines, including version control, change governance, and clear communication of updates. • Serve as the bridge between credit strategy/modeling and underwriting operations, ensuring strategy is operationally executable and that operational feedback informs strategy. • Partner with underwriting leadership to optimize processes, reduce cycle time, and improve decision consistency without weakening credit boundaries. • Support the AHL Third-Party Origination (TPO) channel on credit policy, ensuring broker and correspondent partners operate within Achieve's credit boundaries. • Develop TPO-specific overlays, guidance, and communications, and serve as the credit-policy point of contact for the channel. • Own real-time monitoring of TPO credit performance - early-payment default, exception and overlay trends, guideline adherence, and fraud signals - and trigger timely, well-reasoned policy responses. • Partner with TPO/wholesale leadership and channel counterparties to remediate performance issues and tighten or adjust policy where needed.

• Partner with key stakeholders to manage the formulation of strategic credit policy for AHL, maintaining objective and robust credit boundaries. • Translate credit strategy into clear, actionable, and consistently applied underwriting guidelines. • Maintain a single source of truth for underwriting guidelines, including version control, change governance, and clear communication of updates. • Serve as the bridge between credit strategy/modeling and underwriting operations, ensuring strategy is operationally executable and that operational feedback informs strategy. • Partner with underwriting leadership to optimize processes, reduce cycle time, and improve decision consistency without weakening credit boundaries. • Support the AHL Third-Party Origination (TPO) channel on credit policy, ensuring broker and correspondent partners operate within Achieve's credit boundaries. • Develop TPO-specific overlays, guidance, and communications, and serve as the credit-policy point of contact for the channel. • Own real-time monitoring of TPO credit performance - early-payment default, exception and overlay trends, guideline adherence, and fraud signals - and trigger timely, well-reasoned policy responses. • Partner with TPO/wholesale leadership and channel counterparties to remediate performance issues and tighten or adjust policy where needed.

• Partner with key stakeholders to manage the formulation of strategic credit policy for AHL, maintaining objective and robust credit boundaries. • Translate credit strategy into clear, actionable, and consistently applied underwriting guidelines. • Maintain a single source of truth for underwriting guidelines, including version control, change governance, and clear communication of updates. • Serve as the bridge between credit strategy/modeling and underwriting operations, ensuring strategy is operationally executable and that operational feedback informs strategy. • Partner with underwriting leadership to optimize processes, reduce cycle time, and improve decision consistency without weakening credit boundaries. • Support the AHL Third-Party Origination (TPO) channel on credit policy, ensuring broker and correspondent partners operate within Achieve's credit boundaries. • Develop TPO-specific overlays, guidance, and communications, and serve as the credit-policy point of contact for the channel. • Own real-time monitoring of TPO credit performance - early-payment default, exception and overlay trends, guideline adherence, and fraud signals - and trigger timely, well-reasoned policy responses. • Partner with TPO/wholesale leadership and channel counterparties to remediate performance issues and tighten or adjust policy where needed.