Associate, Card Risk Strategy

Job Description

As a Card Risk Strategy Associate in the Card Credit Decisioning Unit, you will lead efforts to expand our credit card portfolio by developing innovative strategies for affluent, high‑line, high net‑worth credit segments. You will collaborate with internal teams to ensure sound lending decisions that align with our financial goals and risk appetite. Your work will be pivotal in managing risk‑taking activities for card originations, ensuring we continue to grow responsibly.

You will play a key role in defining the risk appetite for Card acquisitions, managing credit risk, and ensuring sound lending decisions that balance value creation and prudent risk management.

• Define the Credit Box in partnership with Product GM's, Finance, and the second line of defense Credit Risk team
• Lead alignment with Product, Finance, and Risk to define and execute on strategies to achieve credit goals
• 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
• Develop and implement metrics to track acquisitions performance. Lead the report outs for performance monitoring to senior leadership
• Help shape credit policies, underwriting standards, and risk management frameworks
• Ensure adherence to banking regulations and internal controls related to credit risk
• Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk
• Provide approvals or recommendations for complex acquisitions related credit transactions

• A Bachelor's degree or higher in a quantitative discipline (e.g., Finance, Statistics, Economics, Mathematics, Operations Research)
• 3+ years of relevant experience in direct to consumer lending, originations, and/or retail credit experience at a complex large‑scale financial services business
• 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
• Proven experience in collaborating across teams and lines of business within large organizations
• Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions
• Previous experience with SAS, SQL, Python, or Tableau analytic tools (other coding languages would be considered)

Applicants must be authorized to work for any employer in the U.S. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. We are an equal opportunity employer and place a high value on diversity and inclusion. We do not discriminate on the basis of any protected attribute, and we also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs.