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 ...