Job Summary:
As a/an Vice President, Strategic Analytics in Business Card Risk, you will lead the development, implementation, and ongoing optimization of acquisition credit criteria and underwriting policies that support sustainable growth while maintaining a strong control environment. You will own decision rules, risk segmentation, and approval cutoffs—using advanced analytics to balance approval rates, loss performance, profitability, customer experience, and regulatory expectations. You will drive cross-functional execution from strategy through implementation, monitoring, and governance, while presenting insights and recommendations to senior leadership and governance forums.

Job Responsibilities:

• Own Business Card acquisition credit criteria, including underwriting policies, risk segmentation, approval cutoffs, and decision rules.
• Analyze portfolio performance and emerging risk trends to identify opportunities to improve risk-adjusted growth and customer outcomes.
• Develop advanced analytical solutions using SAS, SQL, Python, and visualization tools to evaluate policy performance and tradeoffs.
• Optimize acquisition strategies by balancing approval rates, delinquency/loss outcomes, profitability, and regulatory requirements.
• Translate complex analyses into clear, actionable recommendations for senior leaders and key business partners.
• Partner with Product, Finance, Operations, Technology, Control Management, Compliance, and Fair Lending to design and refine acquisition criteria.
• Lead end-to-end implementation of credit criteria changes, including business requirements, validation testing, and post-implementation reviews.
• Establish monitoring frameworks and reporting to provide timely insights into performance, drift, and emerging risks.
• Maintain robust governance, documentation, and controls across the credit criteria lifecycle to support audit, regulatory, and internal review needs.
• Identify opportunities to enhance underwriting capabilities through new data sources, automation, and process improvements.
• Coach and develop junior analysts while promoting analytical rigor, collaboration, and continuous improvement.

Required Qualifications, Capabilities, and Skills:

• 5+ years of experience in risk management, credit strategy, analytics, consumer/business lending, or financial services.
• Demonstrate hands-on ownership of acquisition credit criteria, underwriting policy, or credit decision frameworks.
• Apply strong judgment to balance growth, profitability, customer experience, and risk outcomes in a dynamic environment.
• Use advanced analytics and statistical techniques to develop insights from large datasets and drive decisions.
• Show strong proficiency in SAS and SQL, including building repeatable analyses and monitoring.
• Communicate effectively in writing and verbally, including presenting complex findings to senior management.
• Influence cross-functional stakeholders and drive alignment without direct authority.
• Manage multiple priorities with strong project management and end-to-end execution discipline.
• Demonstrate strong attention to detail and a commitment to high-quality, well-controlled deliverables.
• Understand core credit risk concepts, underwriting practices, and portfolio performance drivers across consumer and/or business lending.
• Hold a Bachelor’s degree in Statistics, Economics, Finance, Mathematics, Engineering, Data Science, or a related quantitative discipline.

Preferred Qualifications, Capabilities, and Skills:

• Own end-to-end acquisition credit criteria for a card or lending product, including design, cutoffs, monitoring, optimization, and governance.
• Deliver measurable improvements in risk-adjusted growth while balancing approval rates, losses, profitability, and customer outcomes.
• Bring experience with credit card and/or small business lending acquisition underwriting and risk segmentation strategies.
• Navigate governance requirements tied to audit, regulatory reviews, model risk management, and control oversight.
• Apply knowledge of fair lending regulations and compliance considerations in underwriting and decisioning design.
• Leverage Python, Tableau, Alteryx, or other modern analytics and visualization tools to scale insights and reporting.
• Hold an advanced degree in a quantitative discipline (e.g., Statistics, Economics, Math, Finance, Data Science, Engineering).