Working closely with cross-functional partners in Product, Risk, Technology, Analytics, and Operations, the Manager develops scalable, automated strategies leveraging decision tree technologies, machine learning-enabled models, and optimization tools. This role ensures strategies evolve with customer behavior and market dynamics while adhering to governance and regulatory standards.

Key Responsibilities

• Strategy Development & Execution
  Design and implement customer-level account management strategies using decision tree and optimization platforms, aligning actions to growth, profitability, and risk objectives.
• Model Application & Interpretation
  Act as a key model user, applying models and scores within strategy logic, ensuring proper interpretation and segmentation to differentiate risk across the portfolio.
• Analytical Insights & Innovation
  Identify opportunities for new segmentation approaches, behavioral scores, and analytical enhancements to improve predictive power and strategy performance.
• Champion–Challenger Testing
  Execute structured testing frameworks to evaluate and refine treatments, segmentation schemes, and decision pathways.
• Lifecycle Strategy Support
  Contribute to strategy design for credit limit management, exposure optimization, early warning treatments, and performance-based interventions, ensuring alignment across the customer lifecycle.
• Technology & Deployment Partnership
  Collaborate with Technology and Analytics teams to translate strategy logic into deployable decision rules, ensuring technical feasibility and operational integrity.
• Portfolio Monitoring & Reporting
  Deliver data-driven insights on portfolio performance and emerging trends; recommend proactive adjustments to maintain performance within risk appetite.
• Governance & Compliance
  Ensure strategies comply with credit policy, regulatory requirements, and model governance standards, including documentation and monitoring.

• Qualifications & Experience

• 5+ years of experience in Credit Card and/or Unsecured Lending account management or lifecycle strategy.
• Strong understanding of credit risk concepts and practical experience as a model user.
• Proficiency with decision engines, decision tree software, and analytical platforms (e.g., FICO, SAS, ML scoring systems).
• Demonstrated ability to translate analytical insights into executable strategies.
• Experience managing cross-functional projects and influencing stakeholders.
• Familiarity with credit policy, regulatory frameworks, and model governance.
• Commitment to innovation, experimentation, and continuous improvement.