Vice president - product owner credit risk management

SMBC Group is a top-tier global financial group. Headquartered in Tokyo and with a 400-year history, SMBC Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance. The Group has more than 130 offices and 80,000 employees worldwide in nearly 40 countries. Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company of SMBC Group, which is one of the three largest banking groups in Japan. SMFG's shares trade on the Tokyo, Nagoya, and New York (NYSE: SMFG) stock exchanges.

In the Americas, SMBC Group has a presence in the US, Canada, Mexico, Brazil, Chile, Colombia, and Peru. Backed by the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients. It connects a diverse client base to local markets and the organization's extensive global network. The Group's operating companies in the Americas include Sumitomo Mitsui Banking Corp. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd.

The anticipated salary range for this role is between $135,000.00 and $185,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

Role Description

The Vice President Product Owner for Credit Risk Management Tools & AI will lead the strategy, development, and delivery of next-generation risk platforms and AI-driven capabilities. This role sits at the intersection of Credit Risk, Risk Analytics, and Technology, driving the buildout of scalable tools that enhance risk measurement, monitoring, reporting, and decision-making across the firm.

Role Responsibilities:

• Lead the end-to-end development of risk management tools, including AI-enabled solutions, from ideation through delivery and continuous improvement

• Partner with Risk, Risk Analytics, and Technology teams to identify high-impact opportunities for tooling and automation

• Define and own the product vision, strategy, and roadmap for credit risk platforms and AI capabilities

• Drive development of tools supporting key credit risk functions such as exposure measurement (PFE, EAD), limit monitoring, stress testing, and portfolio analytics

• Establish scalable, user-friendly dashboards and visualization solutions (e.g., Power BI) for risk monitoring and decision support

• Promote automation and efficiency by embedding AI into credit risk processes (e.g., data aggregation, anomaly detection, reporting insights)

• Drive user adoption through training, change management, and stakeholder engagement

• Stay current with emerging technologies in AI, data, and risk systems, applying them to improve platform capabilities

• Lead backlog prioritization and Agile delivery processes, balancing business value, regulatory requirements, and technical constraints

Qualifications and Skills

• 8+ years of experience in financial services, with strong expertise in product ownership, risk management, and applied knowledge of AI technologies in financial use cases.

• Strong knowledge of credit risk concepts, including counterparty risk, exposure metrics, limit frameworks, and portfolio risk

• Solid understanding of AI/ML techniques and experience with LLM-driven use cases

• Proven experience delivering risk management tools, data platforms, or AI-driven products

• Strong understanding of product management practices, Agile/Scrum methodologies, and software development lifecycle

• Ability to translate complex risk and business requirements into scalable technology solutions

• Creative mindset with ability to identify innovative use cases and drive transformation

• Excellent communication and stakeholder management skills, including interaction with senior leadership

• Strong analytical mindset with focus on delivering measurable business outcomes

• Bachelor's degree in Finance, Computer Science, Engineering, or related field (advanced degree preferred)

SMBC's employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required.

SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at [email protected].

EOE, including Disability/veterans