Director, Card Growth & 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.

Responsibilities

• Provide credit risk leadership, policy design, and support to launch prioritized strategic initiatives, such as (but not limited to):
  1. Enhanced scale in Affinity Segment
  2. Expand into new customer segments with customized approaches
  3. 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

Requirements

• 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)

What We Offer You

• 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

What We Look For

• 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)

Benefits

• 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

Schedule

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

Pay

Competitive salary and stock option plan.