Senior Credit Risk Specialist, Business Credit Card Originations

• Support originations credit strategy work streams, including underwriting, initial credit line assignment, pricing, channel performance, and portfolio monitoring
• Analyze application volume, approval rates, booked account trends, credit quality, credit line assignment, pricing, and early performance outcomes
• Monitor strategy performance and identify trends, variances, risks, and opportunities
• Convert data and analytical findings into insights, recommendations, and executive-ready materials
• Use data extraction and analytical tools to summarize performance, diagnose outcomes, and support strategy recommendations
• Support forecasting, valuation, and scenario analysis related to acquisition volume, booked accounts, credit exposure, channel plans, and strategy changes
• Partner with Product, Marketing, Finance, Modeling, Operations, Technology, Compliance, Fair Lending, and control partners
• Develop reporting, dashboards, recurring performance views, and standardized analytics
• Support test-and-learn activities, measurement plans, and monitoring routines for credit strategy changes
• Maintain documentation of assumptions, methodology, monitoring results, recommendations, and decision rationale
• Travel up to 10% of the time

• 4+ years of Credit Risk experience, or equivalent demonstrated through work experience, training, military experience, or education
• Experience supporting credit risk strategy, originations strategy, underwriting, credit line assignment, pricing, or portfolio performance analytics
• Experience with credit card, small business lending, commercial card, consumer credit, unsecured lending, or revolving credit products
• Strong analytical skills, including monitoring trends, diagnosing performance drivers, and converting findings into recommendations
• Experience with large datasets, performance reporting, segmentation, strategy measurement, scenario analysis, or test-and-learn analytics
• Experience using SQL, SAS, Python, R, Tableau, Power BI, or similar analytical tools
• Ability to synthesize complex data into clear insights, executive-ready materials, and leadership-level recommendations
• Experience partnering with cross-functional stakeholders across Risk, Product, Marketing, Finance, Modeling, Operations, Technology, Compliance, or control functions
• Knowledge of credit policy, fair lending considerations, profitability measurement, portfolio risk indicators, or strategy governance documentation
• Experience building or enhancing reporting, dashboards, reusable datasets, data quality checks, or standardized analytical routines
• Strong written, verbal, and visual storytelling skills
• Ability to travel up to 10% of the time
• This position is not eligible for Visa sponsorship
• Relocation assistance is not available

Demonstrates expertise in Credit Risk Strategy, including underwriting, pricing, and portfolio performance analytics, while effectively synthesizing complex data into actionable insights and executive-ready materials. Proficient in utilizing analytical tools to support forecasting, performance monitoring, and cross-functional collaboration.

• Credit Risk Experience
• SQL Proficiency
• Analytical Skills
• Performance Reporting
• Cross-Functional Collaboration

• Credit Risk Strategy
• Underwriting
• Pricing
• Portfolio Performance Analytics
• Data Analysis
• Scenario Analysis
• Test-and-Learn Analytics
• Data Quality Checks
• Performance Monitoring
• Segmentation

• Strong Written Communication
• Verbal Communication
• Visual Storytelling

• Credit Card Products
• Small Business Lending
• Commercial Card
• Consumer Credit
• Unsecured Lending
• Revolving Credit
• Credit Policy
• Fair Lending
• Profitability Measurement
• Portfolio Risk Indicators

• SQL
• SAS
• Python
• R
• Tableau
• Power BI