Director, Card Growth & Risk Initiatives

Upgrade•Wilmington, DE

8h•Hybrid

About The Position

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. You will creatively use internal/external data, business judgement, and scenario analysis to develop business cases for new initiatives. You will partner cross-functionally to advocate for high value initiatives, develop plans to implement and scale, and report results to leadership. Your work will drive sustainable and responsible growth in Cards, advance our ability to serve a larger customer base, and ensure predictable and strong returns from our Card product. This role will be based in our Wilmington or San Francisco office in a hybrid capacity.

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)

Responsibilities

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