Card Acquisitions Risk Strategy Senior Associate

About the role

Join a newly established first-line credit function where your analytical expertise and strategic thinking will directly influence how we grow our small business card portfolio responsibly. This is a high-visibility role where your decisions matter — and your career can accelerate alongside the impact you create.

Job Responsibilities

• Evaluate and refine the credit decisioning framework in partnership with product, finance, and second-line credit risk teams to ensure alignment with risk appetite
• Assess new credit expansion opportunities and execute against approved strategies with rigor and accountability
• Design and maintain review processes to monitor credit assumptions and ensure sound execution
• Partner with risk strategy teams to define variables for new credit models and collaborate with the modeling team on the modeling suite and roadmap
• Develop and implement performance metrics to track portfolio health and strategy effectiveness
• Maintain a strong regulatory and controls environment, ensuring compliance across all credit activities
• Collaborate with stakeholders across risk, underwriting, legal, and finance to balance business growth with prudent risk management

Required Qualifications, Capabilities, And Skills

• Bachelor's degree in Finance, Business Administration, or a related field
• 4 years of experience in direct-to-consumer lending, originations, 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 capabilities, with a track record of identifying and implementing process or business improvements
• Experience working with complex datasets and translating data insights into actionable credit strategies
• Strong communication and stakeholder management skills, with the ability to influence across cross-functional teams

Preferred Qualifications, Capabilities, And Skills

• Experience in small business or commercial card credit risk strategy
• Familiarity with credit model development, variable selection, or model governance processes
• Knowledge of regulatory requirements and controls frameworks relevant to consumer or small business lending
• Experience presenting risk strategies or recommendations to senior leadership