Executive Director, Portfolio Strategies

We are looking for an experienced card portfolio leader to own end-to-end strategies across credit risk pricing fraud and lifecycle engagement for a leading co-brand credit card will build and run the portfolio innovation pipelineidentifying opportunities sizing impact prioritizing work running test-and-learn experiments scaling what works and measuring resultsto balance growth profitability and customer experience within a strong risk and control framework.

As an Executive Director Portfolio Strategies in Co-Brand Card Portfolio Management help shape and deliver the portfolio roadmap to enhance new-account acquisitions segment expansion lending strategies and customer engagement across the full customer lifecycle. You partner across Marketing Product Analytics Finance Technology Operations Risk Compliance and our co-brand partner to design test launch and measure strategies that balance growth profitability and customer experience. You establish clear governance success metrics and ongoing monitoring so we can scale what works and manage risk with confidence.

Job Responsibilities

• Own end-to-end portfolio strategy across the program balancing growth profitability credit/fraud risk and customer experience within a strong control framework.

• Lead lifecycle credit risk / underwriting strategy in partnership with Risk including segmentation credit policy and decisioning enhancements line management approaches and ongoing portfolio actions aligned to risk appetite.

• Own pricing strategy direction and governance for new and existing customers in partnership with Pricing including test-and-learn agendas performance monitoring and recommendations through appropriate approval forums.

• Drive fraud strategy in partnership with Fraud across application onboarding and account lifecyclereducing fraud losses while minimizing customer friction and false positives.

• Build and run the portfolio innovation pipeline: identify opportunities size impact (P&L and risk) prioritize the roadmap execute experimentation (e.g. champion/challenger) and scale winning strategies with program leads.

• Identify and size new segments to responsibly expand the portfolio and define acquisition and lending strategies in partnership with Marketing Product Analytics and Risk.

• Drive lifecycle engagement strategies (activation early spend ramp retention/reactivation and sustainable usage) in partnership with Marketing and Product aligned to profitability and risk outcomes.

• Establish KPIs and operating cadence (dashboards performance reviews executive reporting) to track results surface trade-offs and accelerate decisions.

• Coordinate cross-functional execution with program leads across Product Marketing Analytics Operations Technology Finance Risk Fraud Pricing and Complianceensuring clear milestones owners dependencies and delivery timelines.

• Partner with the co-brand partner on portfolio performance reviews strategic priorities and in-market execution while maintaining risk and control standards.

Required qualifications capabilities and skills:

• 10 yearsof experience in acquisition/growth strategy portfolio management risk strategy pricing marketing strategy or commercial strategy.
• Proven ability to lead cross-functional decision-making with senior stakeholders in a highly matrixed environment influencing outcomes without direct authority.
• Deep experience partnering withrisk/underwriting and fraudteams to drive responsible growth.
• Strong business and financial acumen with experience managing trade-offs across profitability losses fraud and customer impact.
• Demonstrated strength intest-and-learn / experimentation: forming hypotheses designing tests defining success metrics scaling and monitoring.
• Strong analytical capability: ability to synthesize complex data into clear strategies decisions and measurable outcomes.
• Exceptional executive communication skills (clear narratives crisp recommendations strong presence in leadership forums).
• Strong operating discipline like governance documentation controls and performance management rigor.

Preferred qualifications capabilities and skills:
Strong preference forcredit cards consumer lending or regulated consumer financial services(or similarly regulated industries).
Command of credit card unit economics is a plus.
Be results-oriented with strong attention to detail and a bias toward action.
Produceexecutive-levelanalysis business cases and presentations.
Be highly collaborative with excellent stakeholder management and program management skills.