Bulge Bracket Investment Banks

Posted 13 days ago

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**Card Portfolio Risk Strategy Associate** in Wilmington, DE - Manage exposure, evaluate credit box, assess new credit expansion, and develop risk management strategies - Collaborate with senior leaders and cross-functional teams to ensure responsible growth - 2+ years in direct-to-consumer lending, origination, or retail credit at a large-scale financial services org - Proven risk management, analytical, and strategic thinking skills required - Bachelor's degree in Finance, Business, or related field; proficiency in executive presentations

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

Full Job Description

Location: Wilmington, DE, United States

Join a newly created first-line credit function where your analytical expertise and strategic thinking will directly influence how we manage risk and grow responsibly. This is a high-visibility role where your work shapes real business outcomes and connects you with senior leaders across the organization.

As an Associate on the Card Portfolio Risk Strategy team, you will play a key role in managing exposure and risk appetite for the Card business. You will partner closely with the Portfolio Risk Strategy Lead and product General Managers to identify trends, remediate risks, and ensure the continued health of the portfolio. You will also develop risk management strategies in collaboration with the second-line Credit Risk organization.

Job responsibilities

Evaluate the credit box in partnership with the Portfolio Risk Strategy Lead, product General Managers, Finance, and the second-line Credit Risk team

Assess new credit expansion opportunities and execute against approved initiatives

Establish reviews and processes to ensure credit assumptions are being met effectively

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

Develop and implement metrics to track portfolio performance

Maintain a strong regulatory and controls environment across all risk activities

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

Required qualifications, capabilities, and skills

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

2 years of experience in direct-to-consumer lending, originations, and/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 skills, with the ability to proactively identify opportunities to innovate and improve

Experience collaborating across teams and business functions within large, complex organizations

Proficiency in developing executive-level presentation materials and briefings

High level of personal initiative with a track record of setting and achieving challenging goals

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 credit risk strategy and drive portfolio health for a dynamic card lending business.

Full Job Description