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.

Job Family Group:

Risk Management

Job Family:

Portfolio Credit Risk Management:

Time Type:

Full time

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.

Other Relevant Skills

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

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