Card Acquisitions Risk Vice President- T&E Cobrand

Job Responsibilities

• Provide independent oversight (2LOD) of acquisition risk decisioning for retail co-brand consumer card originations
• Perform review and effective challenge of first-line proposals (policy/strategy changes, test plans, model/score usage, segmentation, offer/channel changes), ensuring risks are identified, quantified, and mitigated
• Establish and monitor KRIs / early warning indicators, approval and loss metrics, and policy adherence; escalate emerging issues as needed
• Partner with Governance, Legal, and Compliance to ensure strategies meet regulatory and internal policy requirements (including fair lending considerations and documentation expectations)
• Support governance forums (approvals, periodic reviews, audits/exams), including preparing materials, documenting decisions, and tracking action items to closure
• Drive cross-functional alignment by communicating risk/return tradeoffs and recommending compensating controls or alternative approaches
• Conduct deep-dive analytics (e.g., segmentation, vintage/performance monitoring, funnel diagnostics, champion/challenger, attribution impacts) and deliver clear, actionable recommendations
• Partner with Technology and Decision Management teams to implement strategies in decisioning platforms, ensuring strong testing, documentation, and change
• Contribute to continuous improvement of acquisition risk processes, monitoring, and reporting; mentor junior team members as applicable

Required Qualifications, Capabilities, And Skills

• Bachelor's degree in a quantitative discipline (e.g., Economics, Statistics, Math, Engineering, Computer Science)
• Minimum 6 years of experience in consumer lending / credit risk
• Strong understanding of consumer credit laws and regulations relevant to underwriting/decisioning and risk governance
• Strong analytics experience using SQL and/or SAS to independently assess strategy performance and risk outcomes
• Demonstrated ability to operate in a governance and oversight capacity (risk frameworks, controls, monitoring, documentation)
• Prominent ability to influence senior stakeholders through clear communication, structured thinking, and data-driven recommendations
• Strong project management skills; ability to manage multiple priorities and deliver under tight timelines

Preferred Qualifications, Capabilities, And Skills

• Master's degree in a quantitative field or related discipline
• Strong analytics experience. Python a plus
• Experience overseeing consumer card acquisition strategies, preferably in co-brand and/or partner/channel-driven acquisition models
• Familiarity with decisioning ecosystems (rules engines, underwriting platforms) and strategy change management controls
• Experience supporting audit, exam, and regulatory interactions; comfort with creating durable documentation and evidence trails
• Track record of driving process improvement in risk monitoring, reporting, and governance routines