Responsibilities:

📍Design and implement a comprehensive credit risk strategy aligned with the company's growth objectives and risk appetite. 📍Oversee fraud risk management initiatives to prevent and detect fraudulent activity across the credit portfolio. 📍Collaborate closely with the Product team to guide credit card development and expansion, ensuring responsible user acquisition and risk-adjusted profitability. 📍Lead the development and refinement of credit policies, underwriting criteria, and risk assessment models. 📍Monitor portfolio performance, fraud trends, and loss patterns; establish metrics and controls to detect and mitigate emerging risks. 📍Partner with Data Science, Engineering, and Operations to develop scalable risk infrastructure, including automation and real-time analytics. 📍Represent credit and fraud risk perspectives in executive decision-making forums and advocate for data-driven, customer-centric solutions. 📍Maintain compliance with applicable regulatory requirements and industry best practices in credit and fraud risk management. 📍Build, mentor, and lead a team of credit and fraud risk professionals to achieve operational and strategic goals.

Qualifications:

📍15+ years of experience in credit risk and fraud loss prevention, with a focus on consumer credit and card products. 📍Demonstrated success in designing and executing credit and fraud strategies that drive business growth while minimizing losses. 📍Deep understanding of credit risk modeling, fraud detection systems, underwriting practices, and portfolio management. 📍Proven ability to lead high-impact cross-functional initiatives and influence at the executive level. 📍Strong analytical and strategic thinking skills, with the ability to translate complex data into actionable insights. 📍Excellent communication and stakeholder management skills. 📍Bachelor’s degree in Finance, Economics, Statistics, or a related field; advanced degree preferred.

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