Bulge Bracket Investment Banks

Posted 12 days ago

No clicks

**Card Acquisitions Risk Strategy Senior Associate** in Wilmington, DE. Manage and define credit risk strategies for small business card acquisitions, balancing growth with sound lending principles. Collaborate cross-functionally to drive data-informed underwriting policies and influence approve/decline decisions. Key responsibilities include refining credit decisioning frameworks, assessing credit expansion, maintaining regulatory compliance, and collaborating with stakeholders. Requires 4+ years in direct-to-consumer lending, strong analytical skills, strategic thinking, and cross-functional communication. Bachelor's degree in Finance, Business Administration, or related field. Prefer experience in small business card risk strategy.

Compensation: Not specified
City: Not specified
Country: United States

Full Job Description

Location: Wilmington, DE, United States

Join a newly established first-line credit function where your analytical expertise and strategic thinking will directly influence how we grow our small business card portfolio responsibly. This is a high-visibility role where your decisions matter and your career can accelerate alongside the impact you create.

As a Card Acquisitions Risk Strategy Senior Associate in the Card Credit Decisioning team, you will define and manage credit risk strategies for small business card acquisitions, balancing growth with sound lending principles. You will partner across risk, product, finance, and modeling teams to shape underwriting policies and drive data-informed decisions that align with our financial goals. Your work will directly influence approve/decline decisions and credit line assignments across our business card portfolios.

Job responsibilities

Evaluate and refine the credit decisioning framework in partnership with product, finance, and second-line credit risk teams to ensure alignment with risk appetite

Assess new credit expansion opportunities and execute against approved strategies with rigor and accountability

Design and maintain review processes to monitor credit assumptions and ensure sound execution

Partner with risk strategy teams to define variables for new credit models and collaborate with the modeling team on the modeling suite and roadmap

Develop and implement performance metrics to track portfolio health and strategy effectiveness

Maintain a strong regulatory and controls environment, ensuring compliance across all credit activities

Collaborate with stakeholders across risk, underwriting, legal, and finance to balance business growth with prudent risk management

Required qualifications, capabilities, and skills

Bachelor's degree in Finance, Business Administration, or a related field

4 years of experience in direct-to-consumer lending, originations, or retail credit at a large-scale financial services organization

Demonstrated ability to evaluate and manage credit risk, with strong quantitative and qualitative analytical skills

Proven strategic thinking and execution capabilities, with a track record of identifying and implementing process or business improvements

Experience working with complex datasets and translating data insights into actionable credit strategies

Strong communication and stakeholder management skills, with the ability to influence across cross-functional teams

Preferred qualifications, capabilities, and skills

Experience in small business or commercial card credit risk strategy

Familiarity with credit model development, variable selection, or model governance processes

Knowledge of regulatory requirements and controls frameworks relevant to consumer or small business lending

Experience presenting risk strategies or recommendations to senior leadership

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.

Shape small business credit risk strategy at one of the world's leading financial institutions.

Full Job Description

Location: Wilmington, DE, United States

Job responsibilities

Evaluate and refine the credit decisioning framework in partnership with product, finance, and second-line credit risk teams to ensure alignment with risk appetite

Assess new credit expansion opportunities and execute against approved strategies with rigor and accountability

Design and maintain review processes to monitor credit assumptions and ensure sound execution

Partner with risk strategy teams to define variables for new credit models and collaborate with the modeling team on the modeling suite and roadmap

Develop and implement performance metrics to track portfolio health and strategy effectiveness

Maintain a strong regulatory and controls environment, ensuring compliance across all credit activities

Collaborate with stakeholders across risk, underwriting, legal, and finance to balance business growth with prudent risk management

Required qualifications, capabilities, and skills

Bachelor's degree in Finance, Business Administration, or a related field

4 years of experience in direct-to-consumer lending, originations, or retail credit at a large-scale financial services organization

Demonstrated ability to evaluate and manage credit risk, with strong quantitative and qualitative analytical skills

Proven strategic thinking and execution capabilities, with a track record of identifying and implementing process or business improvements

Experience working with complex datasets and translating data insights into actionable credit strategies

Strong communication and stakeholder management skills, with the ability to influence across cross-functional teams

Preferred qualifications, capabilities, and skills

Experience in small business or commercial card credit risk strategy

Familiarity with credit model development, variable selection, or model governance processes

Knowledge of regulatory requirements and controls frameworks relevant to consumer or small business lending

Experience presenting risk strategies or recommendations to senior leadership

Shape small business credit risk strategy at one of the world's leading financial institutions.

Card Acquisitions Risk Strategy Senior Associate

Full Job Description

SIMILAR OPPORTUNITIES

Card Portfolio Risk Strategy Associate

Strategy& Consumer Banking & Payments Consulting Senior Associate

Credit Risk Senior Analyst (AVP)

Senior Manager, Credit Risk

Fraud Strategy Senior Analyst

Card Acquisitions Risk Strategy Senior Associate

Full Job Description

SIMILAR OPPORTUNITIES

Card Portfolio Risk Strategy Associate

Strategy& Consumer Banking & Payments Consulting Senior Associate

Credit Risk Senior Analyst (AVP)

Senior Manager, Credit Risk

Fraud Strategy Senior Analyst