Vice President, Card Portfolio Risk Strategy

You will join a high-impact team shaping how we grow responsibly at scale partnering with senior leaders to translate insights into decisive credit actions. If you combine strong judgment deep analytics and executive-ready communication this role offers meaningful scope visibility and development.

As a Vice President Card Portfolio Risk Strategy in the Card Credit Decisioning team you will lead first-line portfolio risk strategies that set and govern risk appetite drive profitable growth and strengthen credit performance across the card lifecycle. You will work directly with product leaders and second-line risk partners to identify emerging trends translate them into policy and line-management actions and ensure disciplined execution against approved credit assumptions.

Job responsibilities

• Define the credit box in partnership with product leaders Finance and the second line of defense Credit Risk team
• Partner with product and risk teams to assess expansion opportunities and define execution plans for new credit initiatives
• Establish reviews and operating processes to ensure strong execution against credit assumptions and risk appetite
• Partner with risk strategy teams to define variables for new credit models and interface with the modeling team on the model suite and roadmap
• Recruit coach and develop high-performing talent to staff the Card Credit Decisioning team
• Develop and implement metrics to track performance and lead performance monitoring report-outs to senior leadership
• Contribute to policy and strategy development including shaping credit policies and risk management frameworks
• Maintain a strong regulatory and controls environment through effective governance documentation and monitoring
• Collaborate across stakeholders including risk underwriting legal and finance to balance growth and risk

Required qualifications capabilities and skills

• Bachelors degree in Finance Business Administration or a related field
• 7 or more years of relevant experience in direct-to-consumer lending originations and/or retail credit at a complex large-scale financial services organization
• Demonstrated ability to evaluate and manage credit risk effectively with strong judgment in approving or recommending credit policy
• Exceptional quantitative and qualitative finance and analytical skills
• Demonstrated strategic thinking and execution skills with the ability to proactively identify opportunities to innovate and improve the business
• Proven experience collaborating across teams and lines of business within large organizations
• Experience developing executive-level presentation materials and briefings
• High level of personal initiative with a track record of setting and achieving challenging goals and demonstrating entrepreneurial leadership

Preferred qualifications capabilities and skills

• Advanced degree (Master of Business Administration Masters in Finance Economics Statistics or a related discipline)
• Experience in credit card portfolio management including credit line increase and line decrease strategies and lifecycle credit actions
• Hands-on experience partnering with model development teams on scorecards policy models and monitoring including variable selection and performance governance
• Working knowledge of U.S. consumer credit regulatory expectations and risk controls (for example Office of the Comptroller of the Currency and Consumer Financial Protection Bureau)
• Strong data fluency with analytics tools such as SQL Python SAS or similar including building repeatable performance monitoring and reporting routines