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

• Bachelor’s 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, Master’s 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

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.