You will be responsible for leading analytics to develop and optimize Authorization Risk Management strategies, policies, practices and controls for Business Cards to bring innovative new capabilities to our customers. You will ensure that these strategies drive strong financial performance, achieve loss mitigation objectives, and enable strong risk controls.  You will meet regularly with stakeholders across Risk, Finance and Product Business Units to ensure a robust end to end strategy. 

Job Responsibilities

• Conduct complex analysis including data collection, analysis, visualization and presentation of results to partners and management
• Develop portfolio analytics using internal and external data along with competitive and macro-economic trends
• Candidate will be tasked to manage and optimize overlimit authorization strategies and maximum allowable exposure strategy at the customer level
• Support formulation of risk strategy and product roadmap partnering with and influencing cross functional teams
• Mange risk strategies to drive financial performance and risk mitigation improvements while innovating to ensure optimal strategy performance with growth mindset 
• Work closely with Risk Governance, Legal and Compliance to ensure policies are in compliance with laws and regulations
• Work with execution team to implement, validate, and monitor the strategy quality and its performance; ensure robust control and governance to manage operational risk.
• Understand data and find innovative solutions to complex business problem and drive healthy business growth with full cycle view of loss and profitability.
• Help spearhead best in class documentation and audit controls surrounding strategies.

 Required Qualifications, Capabilities, and Skills:

• Bachelor’s degree in a quantitative discipline from an accredited college/university
• Minimum 5 +years of experience in the Consumer/Business lending industry
• Strong knowledge and understanding of Consumer/Business Credit laws and regulations
• SAS, SQL, and statistical analysis experience
• Proven ability to develop effective controls and manage risk in a complex environment
• Expertise in exposure management and risk mitigation strategies
• Demonstrated leadership in solving business problems through structured analytics
• Excellent communication and interpersonal skills, with the ability to influence senior stakeholders
• Proven ability to evaluate the business climate, anticipate change, and develop compensating strategies
• Strong project management skills and attention to detail
• Ability to efficiently manage concurrent assignments and quickly react to changing or competing priorities

Preferred Qualifications, Capabilities, and Skills:

• Master’s degree in a quantitative discipline or related field
• Background in developing and optimizing risk strategies for consumer/business card portfolios
• Experience with decision technology environments and complex strategy delivery
• Track record of driving innovation and process improvement in risk management
• Strong talent management and team development skills
• Familiarity with emerging risk management technologies and analytics tools