Credit Portfolio Senior Manager

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Job Overview

Job Purpose

The C13 VP (Team Lead) is a senior risk leader responsible for owning portfolio-level credit risk outcomes while leading a team of risk professionals.

The role combines hands-on strategic risk ownership, deep analytics, and people leadership, serving as a key decision-maker and advisor to senior business and risk leadership.

Key Responsibilities

Portfolio Risk Ownership

• Own end-to-end credit risk strategy for assigned credit card portfolios.
• Define and manage risk appetite, performance thresholds, and escalation triggers.
• Personally lead analysis and decision-making for high-impact or complex risk topics.
• Translate portfolio performance into loss, profitability, capital, and balance-sheet impact.

Existing Customer Management (ECM) Strategy Leadership

• Own enterprise ECM strategy across CLI, CLD, authorization controls, and line management.
• Define risk-based segmentation frameworks using behavioral, transactional, and bureau signals.

• Balance customer experience, spend growth, and loss containment.
• Ensure ECM actions align with regulatory, fairness, and reputational standards.
  • Ensure ECM strategies are consistent with loss targets and growth objectives.

Acquisition & New Account Risk Strategy

• Own risk strategy for new account acquisition across channels and products.
• Approve underwriting thresholds, segmentation, and targeting strategies.
• Evaluate early lifecycle performance including FPD and early delinquency.
• Challenge business growth initiatives to ensure risk-adjusted returns.
• Partner with Product and Marketing as a senior risk advisor.

Credit Policy & Governance Authority

• Act as policy authority for complex and high-impact credit decisions.
• Lead analytics and recommendations for:
  • Underwriting thresholds
  • Policy overlays and exceptions
  • Risk controls and interventions
• Represent credit risk in senior governance forums, audits, and reviews.
• Ensure strong documentation, transparency, and regulatory alignment.

Model Oversight & Risk Judgment

• Serve as a senior model consumer for application, behavior, and collection models.
• Interpret model outputs using expert judgment, recognizing limitations and bias.
• Recommend policy, segmentation, or strategy compensations where model gaps exist.
• Support model refresh, validation, and governance processes.

Forecasting, Stress Testing & Macro Risk

• Own portfolio loss forecasting and scenario analysis.
• Assess portfolio sensitivity to macroeconomic, regulatory, and policy changes.
• Lead stress testing and sensitivity analysis for senior risk leadership.
• Drive proactive risk actions during periods of economic uncertainty.

Advanced Analytics & Problem Solving

• Personally lead deep-dive analytics on complex or ambiguous risk problems.
• Design analytical frameworks to answer novel or unstructured risk questions.
• Challenge assumptions, validate findings, and apply expert judgment.
• Set analytical best practices adopted by broader teams.

Firmwide Impact & Thought Leadership

• Shape enterprise credit risk standards and best practices.
• Contribute to firmwide initiatives across portfolios and geographies.
• Provide informal mentorship and technical guidance to senior analysts and AVPs.
• Drive simplification, consistency, and innovation in risk frameworks.

Required Skills & Qualifications

Technical & Analytical Expertise

• Expert-level understanding of credit card risk lifecycle and risk economics.
• Advanced analytics expertise (SQL, SAS/Python, portfolio analytics).
• Strong command of risk modeling concepts (as a model consumer).
• Exceptional executive storytelling and decision framing skills.

Business & Leadership Capabilities

• Proven ability to lead teams while retaining hands-on ownership
• Strong strategic judgment with enterprise perspective.
• Ability to influence without authority.
• High comfort engaging with senior executives and committees.
• Strong ownership mindset and accountability for outcomes.

Experience & Education

• 10–18+ years of experience in credit card risk, consumer lending, or portfolio risk management.
• Bachelor’s or Master’s degree in Statistics, Economics, Mathematics, Engineering, or related quantitative fields.
• Demonstrated leadership of high-performing analytical teams.

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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