About the Role
The role involves leading credit risk strategy for consumer card products, developing underwriting models, and guiding policy decisions to support sustainable growth while managing financial risk.
Responsibilities
- Lead the development and execution of credit risk strategies for consumer card offerings
- Analyze portfolio performance to identify trends and risk exposure
- Collaborate with data science teams to build and refine underwriting models
- Establish credit policy frameworks aligned with business goals
- Monitor regulatory changes impacting credit practices
- Guide approval and limit-setting strategies based on risk segmentation
- Partner with product teams to design responsible lending features
- Evaluate new market opportunities from a credit risk perspective
- Present risk insights to executive leadership
- Ensure compliance with internal risk appetite and external regulations
- Manage third-party vendor relationships related to credit decisioning
- Oversee portfolio stress testing and scenario analysis
- Drive automation in credit decision workflows
- Support audit and examination processes
- Lead responses to credit-related incidents or breaches
- Develop key risk indicators and dashboards
- Advocate for data quality improvements in credit systems
- Mentor junior team members in credit risk best practices
- Coordinate with collections and loss mitigation teams
- Assess impact of macroeconomic shifts on credit performance
- Optimize risk-based pricing strategies
- Evaluate credit bureau data usage and sourcing
- Improve customer onboarding risk assessments
- Support new product launches with risk frameworks
- Maintain documentation for credit policies and decisions
Compensation
Competitive salary and benefits package
Work Arrangement
Hybrid work model
Team
Cross-functional team focused on credit risk and product innovation
Why This Role Matters
- This position shapes how credit is responsibly extended to consumers, directly influencing product accessibility and financial inclusion.
- The lead will balance innovation with risk discipline in a high-growth environment.
- Decisions made in this role affect thousands of customers and the long-term health of the lending portfolio.
Growth Opportunities
- Opportunity to influence company-wide risk strategy.
- Path to lead broader risk or product functions over time.
- Exposure to executive leadership and strategic planning.
Available for qualified candidates
