SVP - Business Balance Sheet Management & Strategic Analytics - Hybrid

We are seeking a strategic, quantitative leader to join the US Consumer Cards In-Business Credit & Franchise Risk Organization. As the Senior Vice President of In-Business Balance Sheet Management & Strategic Business Analytics, your mission will be to build and lead the analytical engine that drives profitable, resilient growth for a multi-billion-dollar credit card portfolio. You will be responsible for steering USCC business strategies in response to evolving capital and funding dynamics.

This is a high-impact role where you will lead a team of quantitative analysts to model the P&L and capital impacts of major strategic decisions, partnering directly with executive leadership to shape the future of the business and optimize for both profitability and regulatory compliance.

• Executive Leadership & Team Development
  • Lead, mentor, and develop a high-performing team of quantitative analysts, fostering a culture of analytical rigor, intellectual curiosity, and innovation.
  • Serve as the team's expert guide on complex quantitative models, advanced statistical analysis, and data-driven decision–making.
  • Own performance management, talent development, and succession planning for the team.
• Pricing Risk Analytics
  • Lead analytical support for pricing initiatives, including APR actions, fee strategies, and portfolio pricing optimization.
  • Quantify the risk, credit loss, customer behavior, and profitability impacts of pricing decisions.
  • Develop analytical frameworks to evaluate risk–adjusted returns and long–term portfolio performance.
• Test & Control Design Analytics
  • Lead test–and–control design, performance measurement, and incremental impact analysis for major Cards initiatives.
  • Develop methodologies to measure revenue, balances, losses, customer engagement, and portfolio outcomes.
  • Provide analytical recommendations to optimize business strategies and customer treatments.
• Balance Sheet & Financial Analytics
  • Support business balance sheet management, portfolio profitability, and capital efficiency analysis.
  • Evaluate the P&L, balance sheet, reserve, and capital impacts of strategic business actions.
  • Partner with Finance and Risk teams on planning, forecasting, and regulatory–related portfolio assessments.
• Stakeholder Management
  • Partner across Business, Pricing, Risk, Finance, Product, and Franchise organizations.
  • Translate complex analytical findings into clear, executive–ready recommendations.
  • Present strategic insights and business implications to senior leadership and governance forums.

• 10+ years of progressive experience in financial services or management consulting, with a strong focus on credit risk, capital management, and financial planning.
• Expert knowledge of consumer banking products (especially Credit Cards), including P&L drivers, risk/return dynamics, and key performance indicators.
• Deep, practical knowledge of capital and balance sheet management frameworks, including CCAR, CECL, Basel III Endgame, and Recovery & Resolution Planning.
• Proven experience developing and implementing forecasting models for balance sheet and P&L components.
• Demonstrated ability to lead quantitative teams and derive actionable insights from complex risk/reward trade–off analysis.
• Strong project management skills with a proven track record of delivering complex analytical solutions on tight deadlines.

• High proficiency in Excel and data visualization tools (Tableau, Power BI).
• Hands–on experience with, or demonstrated experience leading teams that heavily utilize, statistical programming languages (e.g., SAS, Python, R).
• Experience leveraging large–scale data platforms (e.g., cloud data warehouses, Hadoop/Spark environments) is highly desirable.

• A…