AVP, Credit Risk Oversight

Role Summary/Purpose

Partner with Credit and Portfolio stakeholders to provide credit risk oversight on the entire credit lending and product development lifecycle of the Pay Pal and Venmo portfolios, including assessment of credit risks in new strategies, changes to existing strategies, new products and offers, material changes into the program agreement, validation of existing credit and fraud strategies, and identification of portfolio emerging risk.

Outcomes are provided to stakeholders across the Credit and Fraud Strategy and Portfolio Credit teams.

• Perform independent validations of existing credit and fraud strategies and related NMT to gauge efficacy of criteria and performance of champion/challenger strategies, compare expected versus actual results, confirm proper implementation, accuracy/completeness of existing documentation and appropriateness of strategy monitoring.
• Leverage advanced technical expertise to translate documentation of credit/fraud strategy criteria into SAS code to complete the validation.
• Document results of validations to produce detailed ‘white paper’ reports shared with stakeholders, regulators, and senior leadership to drive quality improvement opportunities.
• Lead validation results meetings, communicating findings and recommendations to credit strategy leadership, soliciting feedback, publishing final reports, and maintaining timelines and feedback loops with strategy teams.
• Participate in the independent assessment of new Acquisition & Early Lifecycle, Account Management and Fraud strategy proposals and modifications, providing effective challenge and insights while communicating material risks.
• Where applicable, perform ad‑hoc or deep‑dive analyses to understand the materiality of concern with new strategy proposals or modifications.
• Execute periodic portfolio conformance reviews on the Pay Pal/Venmo portfolios.
• Support the broader Credit Strategy Validation (CSV) team by maintaining the PORAS platform, coding, and inserting completed validations into the automation system.
• Monitor credit risks in the portfolio and emerging risks with new products and technologies.
• Assist with concurrent assessment of any material changes to deals and new products.
• Interact directly with and provide feedback to the Pay Pal/Venmo portfolio credit team.
• Monitor portfolio and highlight emerging credit risks.
• Liaise with CRMO functional leaders to share assessments, risks and insights.
• Work with other risk functions across the second line of defense to increase awareness of validation results, create synergies and avoid redundancies.
• Perform other duties and/or special projects as assigned.

• Bachelor’s Degree AND 4+ years’ experience in a consumer credit/risk analytics role; OR, in lieu of Bachelor’s degree, 7+ years’ experience in consumer credit/risk analytics role.
• 3+ years’ experience with SAS/SQL or other transferable logic‑based programming.
• Strong oral and written communication skills with impact and influence.
• Strong understanding of the consumer credit lending lifecycle and card programs.
• Ability and flexibility to travel for business as required.

• Bachelor’s Degree in a STEM related or Business field.
• MBA or Master’s degree in a STEM field.
• Demonstrated ability to manage multiple projects, organize workflow, and prioritize work assignments.
• Advanced reasoning skills in conjunction with an intimate understanding of how our strategy systems work and how their outflows tie into the data warehouse.
• Elevated aptitude in deciphering and interpreting strategy documentation and criteria and the ability to translate that into independently created logic.
• Commercially effective and collaborative across teams and functions.
• 5+ years’ experience with SAS/SQL, Python, R, or other transferable logic‑based programming.
• Experience with data visualization tools such as Tableau.
• Intermediate Excel skill‑set.
• Curiosity and the ability to learn new concepts.

The salary range for this position is - USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the…