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Job Purpose
The C13 VP (Team Lead) is a senior risk leader responsible for owning portfolio-level credit risk outcomes while leading a team of risk professionals.
The role combines hands-on strategic risk ownership, deep analytics, and people leadership, serving as a key decision-maker and advisor to senior business and risk leadership.
Key Responsibilities
Portfolio Risk Ownership
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Own end-to-end credit risk strategy for assigned credit card portfolios.
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Define and manage risk appetite, performance thresholds, and escalation triggers.
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Personally lead analysis and decision-making for high-impact or complex risk topics.
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Translate portfolio performance into loss, profitability, capital, and balance-sheet impact.
Existing Customer Management (ECM) Strategy Leadership
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Own enterprise ECM strategy across CLI, CLD, authorization controls, and line management.
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Define risk-based segmentation frameworks using behavioral, transactional, and bureau signals.
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Balance customer experience, spend growth, and loss containment.
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Ensure ECM actions align with regulatory, fairness, and reputational standards.
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Ensure ECM strategies are consistent with loss targets and growth objectives.
Acquisition & New Account Risk Strategy
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Own risk strategy for new account acquisition across channels and products.
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Approve underwriting thresholds, segmentation, and targeting strategies.
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Evaluate early lifecycle performance including FPD and early delinquency.
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Challenge business growth initiatives to ensure risk-adjusted returns.
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Partner with Product and Marketing as a senior risk advisor.
Credit Policy & Governance Authority
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Act as policy authority for complex and high-impact credit decisions.
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Lead analytics and recommendations for:
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Underwriting thresholds
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Policy overlays and exceptions
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Risk controls and interventions
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Represent credit risk in senior governance forums, audits, and reviews.
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Ensure strong documentation, transparency, and regulatory alignment.
Model Oversight & Risk Judgment
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Serve as a senior model consumer for application, behavior, and collection models.
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Interpret model outputs using expert judgment, recognizing limitations and bias.
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Recommend policy, segmentation, or strategy compensations where model gaps exist.
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Support model refresh, validation, and governance processes.
Forecasting, Stress Testing & Macro Risk
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Own portfolio loss forecasting and scenario analysis.
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Assess portfolio sensitivity to macroeconomic, regulatory, and policy changes.
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Lead stress testing and sensitivity analysis for senior risk leadership.
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Drive proactive risk actions during periods of economic uncertainty.
Advanced Analytics & Problem Solving
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Personally lead deep-dive analytics on complex or ambiguous risk problems.
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Design analytical frameworks to answer novel or unstructured risk questions.
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Challenge assumptions, validate findings, and apply expert judgment.
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Set analytical best practices adopted by broader teams.
Firmwide Impact & Thought Leadership
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Shape enterprise credit risk standards and best practices.
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Contribute to firmwide initiatives across portfolios and geographies.
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Provide informal mentorship and technical guidance to senior analysts and AVPs.
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Drive simplification, consistency, and innovation in risk frameworks.
Required Skills & Qualifications
Technical & Analytical Expertise
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Expert-level understanding of credit card risk lifecycle and risk economics.
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Advanced analytics expertise (SQL, SAS/Python, portfolio analytics).
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Strong command of risk modeling concepts (as a model consumer).
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Exceptional executive storytelling and decision framing skills.
Business & Leadership Capabilities
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Proven ability to lead teams while retaining hands-on ownership
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Strong strategic judgment with enterprise perspective.
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Ability to influence without authority.
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High comfort engaging with senior executives and committees.
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Strong ownership mindset and accountability for outcomes.
Experience & Education
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10–18+ years of experience in credit card risk, consumer lending, or portfolio risk management.
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Bachelor’s or Master’s degree in Statistics, Economics, Mathematics, Engineering, or related quantitative fields.
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Demonstrated leadership of high-performing analytical teams.
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Job Family Group:
Risk Management
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Job Family:
Portfolio Credit Risk Management
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Time Type:
Full time
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Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
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Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
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