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