Director, Card & Risk Initiatives

About the Role

We're seeking a hands‑on and data‑driven Director to lead Card Credit R&D and Growth Initiatives. In this role, you'll drive and deliver a variety of strategic, high‑impact initiatives that unlock and accelerate growth of our Credit Card business.

You'll creatively use internal/external data, business judgement, and scenario analysis to develop business cases for new initiatives. You will partner cross‑functionally to advocate for high‑value initiatives, develop plans to implement and scale, and report results to leadership. Your work will drive sustainable and responsible growth in Cards, advance our ability to serve a larger customer base, and ensure predictable and strong returns from our Card product.

This role will be based in our Wilmington or San Francisco office in a hybrid capacity.

• Provide credit risk leadership, policy design, and support to launch prioritized strategic initiatives, such as (but not limited to)
• Enhanced scale in Affinity Segments
• Expand into new customer segments with customized approaches
• Enable / support marketing initiatives with credit risk interactions, such as credit line marketing to prospective customers
• Identify and pursue new growth opportunities
• Develop a forward‑looking agenda to deliver continued growth and influence the organization to rally behind it
• Evaluate opportunities, propose tests, and build business cases to unlock future card growth
• Combine test results, internal and external market data, and business judgement to deliver responsible growth
• Test cash flow underwriting use‑cases, evaluate business case to deploy at scale, and develop policies to unlock growth
• Develop and enhance Intentional Credit Misuse / Synthetic U/W defenses
• Partner cross‑functionally to implement and scale
• Track performance of initiatives, identify further opportunities to enhance and report recommendations/results to leadership

• 7+ years of experience in consumer finance, consulting, or other data‑driven backgrounds
• Deep experience with consumer lending / credit risk, particularly in credit cards
• Data‑driven and independent problem solver
• Strong communicator with a knack for identifying the business intuition behind complexity
• Comfort with solving white‑space problems and identifying reasonable paths in the face of ambiguity
• Strong proficiency in SQL, Excel (Python is a plus)

• Competitive salary and stock option plan
• Paid coverage of medical, dental and vision insurance
• Flexible PTO
• Competitive 401(k)
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

English is required for all positions.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.