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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