United States onlyFICO (NYSE: FICO)is a leading global analytics software company, helping businesses in 100+ countries make better decisions. Join our world-class team today and fulfill your career potential!
The Opportunity
"If you're looking for your next opportunity to make a meaningful business impact across the mortgage industry, bring business expertise to FICO's Scores division, where you will partner with mortgage lenders helping them grow and serve customers. FICO's Scores unit is home to the world's #1 credit score – the FICO® Score – that powers over 10 billion decisions each year." – Client Services, Vice President.
What You'll Contribute
Serve as primary relationship manager and trusted advisor to Chief Risk Officers and senior risk executives at mortgage lenders, servicers, and investors (GSEs & non-agency).
Provide expert guidance on mortgage-specific regulatory compliance including QM/ATR, TRID, HMDA, and GSE credit risk transfer requirements.
Collaborate with mortgage underwriting teams to optimize loan decisioning processes and improve portfolio performance through FICO mortgage scoring solutions.
Partner with mortgage compliance officers to ensure FICO solutions meet fair lending, ECOA, and mortgage-specific consumer protection requirements
Develop mortgage risk-focused business cases demonstrating ROI through reduced buyback risk, improved loan quality, and regulatory compliance.
Provide thought leadership on emerging mortgage risk trends, regulatory changes, and GSE guideline updates through industry forums and publications.
Support mortgage model risk management including validation of credit scoring models, loss forecasting, and regulatory model documentation.
Collaborate with internal teams to address mortgage-specific regulatory inquiries, GSE audits, and examination requirements.
Analyze client mortgage risk appetite and recommend FICO solutions that align with agency guidelines, investor requirements, and risk tolerance.
Monitor GSE credit score requirements, pricing adjustments, and qualification changes to proactively advise clients on portfolio impacts.
Facilitate knowledge transfer on mortgage analytics, including credit risk layering, early payment default prevention, and loss mitigation strategies.
What We're Seeking
Substantial experience in mortgage credit risk management and investor buy guides.
Proven track record of executive-level partnership development within the mortgage servicing ecosystem using a strategic, consultative approach.
Deep knowledge of the mortgage regulatory landscape, including QM/ATR, TRID, HMDA, ECOA, fair lending requirements, and GSE credit risk transfer frameworks.
Strong understanding of mortgage credit risk fundamentals, including loan decisioning, credit risk layering, early payment default, loss mitigation, and portfolio performance management.
Familiarity with GSE credit score requirements, pricing adjustments, and qualification guidelines, with the ability to translate regulatory and guideline changes into actionable client guidance.
Outstanding executive presence with superior communication, negotiation, and relationship management capabilities.
Strategic thinking combined with tactical execution skills and proven ability to drive results in matrix organizations.
Ability to travel 25% to 35% for partner meetings, industry conferences, and strategic planning sessions.
Our Offer to You
An inclusive culture that strongly reflects our core values: Act Like an Owner, Delight Our Customers and Earn the Respect of Others.
The opportunity to make an impact and develop professionally by leveraging your unique strengths and participating in valuable learning experiences.
Highly competitive compensation, benefits and rewards programs that encourage you to bring your best every day and be recognized for doing so.
An engaging, people-first work environment offering work/life balance, employee resource groups, and social events to promote interaction and camaraderie.
The targeted base pay range for this role is: $1,48,400 to $2,33,200 with this range reflecting differences in candidate knowledge, skills and experience.
Why Make a Move to FICO?
At FICO, you can develop your career with a leading organization in one of the fastest-growing fields in technology today – Big Data analytics. You’ll play a part in our commitment to help businesses use data to improve every choice they make, using advances in artificial intelligence, machine learning, optimization, and much more.
FICO makes a real difference in the way businesses operate worldwide:
• Credit Scoring — FICO® Scores are used by 90 of the top 100 US lenders.
• Fraud Detection and Security — 4 billion payment cards globally are protected by FICO fraud systems.
• Lending — 3/4 of US mortgages are approved using the FICO Score.
Global trends toward digital transformation have created tremendous demand for FICO’s solutions, placing us among the world’s top 100 software companies by revenue. We help many of the world’s largest banks, insurers, retailers, telecommunications providers and other firms reach a new level of success. Our success is dependent on really talented people – just like you – who thrive on the collaboration and innovation that’s nurtured by a diverse and inclusive environment. We’ll provide the support you need, while ensuring you have the freedom to develop your skills and grow your career. Join FICO and help change the way business thinks!
Learn more about how you can fulfil your potential at www.fico.com/Careers
FICO promotes a culture of inclusion and seeks to attract a diverse set of candidates for each job opportunity. We are an equal employment opportunity employer and we’re proud to offer employment and advancement opportunities to all candidates without regard to race, color, ancestry, religion, sex, national origin, pregnancy, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. Research has shown that women and candidates from underrepresented communities may not apply for an opportunity if they don’t meet all stated qualifications. While our qualifications are clearly related to role success, each candidate’s profile is unique and strengths in certain skill and/or experience areas can be equally effective. If you believe you have many, but not necessarily all, of the stated qualifications we encourage you to apply.
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