Card Portfolio Risk Strategy Associate

Job Description

Join a newly created first‑line credit function where your analytical expertise and strategic thinking will directly influence how we manage risk and grow responsibly. This is a high‑visibility role where your work shapes real business outcomes and connects you with senior leaders across the organization.

• Evaluate the credit box in partnership with the Portfolio Risk Strategy Lead, product General Managers, Finance, and the second‑line Credit Risk team
• Assess new credit expansion opportunities and execute against approved initiatives
• Establish reviews and processes to ensure credit assumptions are being met effectively
• Partner with risk strategy teams to define variables for new credit models and engage with the modeling team on the modeling suite and roadmap
• Develop and implement metrics to track portfolio performance
• Maintain a strong regulatory and controls environment across all risk activities
• Collaborate with stakeholders across risk, underwriting, legal, and finance to balance growth with responsible risk management

• Bachelor's degree in Finance, Business Administration, or a related field
• 2 years of experience in direct‑to‑consumer lending, originations, and/or retail credit at a large‑scale financial services organization
• Demonstrated ability to evaluate and manage credit risk with strong quantitative and qualitative analytical skills
• Proven strategic thinking and execution skills, with the ability to proactively identify opportunities to innovate and improve
• Experience collaborating across teams and business functions within large, complex organizations
• Proficiency in developing executive‑level presentation materials and briefings
• High level of personal initiative with a track record of setting and achieving challenging goals

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission‑based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility.

These benefits include comprehensive health care coverage, on‑site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law.

We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.