Senior Manager, ECM Policy & Portfolio Analytics

About the role

We're seeking a data-driven and hands-on Manager / Sr Manager on our Card Credit Risk team to drive a variety of portfolio analytics and policy design initiatives.

Responsibilities

• Develop and enhance policies such as overlimit authorizations, payment holds, and suspension policies
• Provide credit-risk support for product/marketing portfolio initiatives (Balance transfer or promotional offers, retention / graduation, etc)
• Partner with product to use payment alerts, digital collections UX, and other levers to enhance on-time payment rates and encourage curing from delinquency
• Partner with operations on testing/optimizing payment programs, hardships, etc
• Develop and support strategic business initiatives such as migration of our legacy card product to our next generation cards
• Ongoing portfolio monitoring of policy actions and outcomes

Requirements

• 3-6 years of experience in consumer finance, consulting, or other data-driven backgrounds
• Experience with credit and analytics, particularly in a credit card policy context
• Strong analytical skills with the ability to translate data into clear, strategic recommendations
• Proficiency in SQL, Excel, and Python
• Familiarity with LLMs and AI-enabled innovation
• The ability to identify and articulate the business intuition in the data