Responsibilities

Manage and grow a team with strong analytical and credit strategy development capability, focusing on credit risk and portfolio/account level profitability, as well as optimizing marketing effectiveness.

• Lead team to develop and manage new origination automated/judgmental credit strategies as well as account management credit policies, from approve/decline, line assignment and portfolio risk management.
• Responsible for defining Credit Card strategy risk tolerance limits and decisioning constraints in collaboration with second line Credit Risk Management.
• Lead team to develop and maintain cash flow/NPV valuation tool for acquisition and account management programs to enable decisioning optimization.
• Derive and refine risk segmentation and loss expectations / risk premium.
• Ground and extrapolate economics inputs, assumptions, and curve shape.
• Evaluate, recommend, an...