Description:
Are you a strategic thinker with a sharp eye for risk and a passion for optimizing credit policies? We're looking for a Retail Credit Risk Manager to lead our credit card portfolio and drive key decisions around acquisition, exposure, and account management strategies.
In this role, you’ll own end-to-end risk management for one of our fastest-growing product lines — shaping policy, influencing growth, and safeguarding portfolio health.
🔍 What You’ll Do
- Lead the design, implementation, and ongoing refinement of credit risk strategies across the credit card lifecycle — including originations, line management, and collections.
- Analyze portfolio performance, identify emerging risks, and proactively adjust policies to maintain asset quality and profitability.
- Develop and enhance credit decisioning frameworks using internal data, bureau attributes, and advanced analytics.
- Partner cross-functionally with Product, Data Science, Compliance, and Operations to align risk and business goals.
- Present risk insights, trends, and recommendations to senior leadership and risk committees.
- Ensure adherence to regulatory guidelines and internal risk governance frameworks.
✅ What You Bring
- 8+ years of experience in retail credit risk, with direct ownership of credit card portfolio or policies.
- Strong command of risk strategy development, credit lifecycle management, and portfolio monitoring.
- Advanced analytical and problem-solving skills; proficiency in SQL, Excel, and preferably Python/SAS.
- Experience working with credit bureau data and credit scoring models.
- Strong communication skills and proven ability to influence senior stakeholders.
- Bachelor's degree in a quantitative or business discipline (Master’s preferred).