As the Managing Director for Card Acquisitions Risk Strategy you will be responsible for developing, managing, and overseeing the newly created 1st line credit function across credit segments within the Card Credit Decisioning Unit (CDU). You will report to the Senior Credit Strategy Officer for Card and Connected Commerce who leads the Card CDU.

You will play a key role in managing the risk appetite for the Card business. You will directly engage with Card Presidents and product General Managers (GMs) to proactively identify trends, remediate risks, ensure continued health of the business, and pursue business growth. Additionally, you will develop risk management strategies in partnership with the Credit Risk organization in the second line of defense which includes underwriting policies and management of risk-taking activities. This role requires deep analytical expertise, regulatory knowledge, and collaboration with internal teams to balance risk and growth.

Job Responsibilities:

• Define the Credit Box in partnership with Card Presidents, Product GM’s, Finance and the second line of defense Credit Risk team

• Partner closely with product and risk teams in assessing new credit opportunities. Define an execution plan for new credit opportunities

• Set up reviews and processes to ensure we are executing well on our credit box assumptions

• Partner with risk strategies in defining variables that would be included in new credit models and interface with the modeling team on the acquisitions modeling suite and roadmap

• Recruit and develop high performing talent to staff the CDU

• Develop and implement metrics to track acquisitions performance. Lead the report outs for performance monitoring to senior leadership

• Contribute to Policy & Strategy Development including helping to shape credit policies, underwriting standards, and risk management frameworks

• Maintain a strong regulatory and controls environment

• Collaborate across stakeholders in business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk

Required qualifications, skills and capabilities:

• A Bachelor’s Degree in finance, business administration, or a related field is required

• 15+ years of relevant experience in direct to consumer lending, originations, and/or retail credit experience at a complex large-scale financial services business

• Ability to evaluate and manage credit risk effectively; Strong judgement in approving or recommending credit transactions

• Exceptional quantitative and qualitative finance and analytical skills

• Demonstrated strategic thinking and execution skills; insight and ability to proactively identify opportunities to innovate and improve the business

• Exceptional people leadership, relationship development and negotiating skills; ability to earn respect and trust among internal and external business partners and team members

• Proven experience in collaborating across teams and lines of business within large organizations

• Strong proficiency with executive-level presentation materials and briefings, and the ability to simplify complex subject matter into digestible executive communications

• A high level of personal initiative, setting and achieving challenging goals, and demonstrating entrepreneurial leadership

• Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions

• Demonstrated career of successful program implementations