Credit Portfolio Senior Manager

• Support design, development & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
• Perform quantitative analyses to assess risk-adjusted return, risk segmentation, and tradeoffs in acquisition policy changes
• Prepare proposals and review with the stakeholders within Risk, document the effective challenge and incorporate inputs in revising the proposals
• Collaborate with digital and marketing teams on channel specific underwriting policies
• Partner with modeling team on new tools, machine learning and alternate data
• Develop a testing framework to deploy learnings faster using repeatable playbooks and monitoring routines
• Track and report on initiatives, performance results, emerging trends and opportunities to senior management
• Ensure adherence to internal and external regulatory expectations
• Respond to effective challenge from second line
• Serve as SME for audits, model use and implementation of strategies
• Ensuring strategies are executed in a strong control environment

• 10+ years of experience in credit risk management or lesser with relevant experience in acquisitions credit risk
• Experience in the financial services industry preferred
• Demonstrated accountability for delivery of a full range of services to one or more businesses/geographic regions
• Consistently demonstrate clear and concise written and verbal communication
• Proven negotiation skills often used at a senior level
• Demonstrated ability to synthesize, prioritize and drive results with urgency
• Ability to obtain support and buy-in across a wide range of internal and external audiences
• Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience
• Master’s/PhD degree is a plus

Master’s/PhD degree