As an Executive Director, Portfolio Strategies in the Co-Brand Card Organization, you will help shape and deliver the portfolio roadmap to enhance new-account acquisitions, segment expansion, lending strategies, and customer engagement across the full customer lifecycle. You partner across Marketing, Product, Analytics, Finance, Technology, Operations, Risk, Compliance, and our co-brand partner to design, test, launch, and measure strategies that balance growth, profitability, and customer experience. You establish clear governance, success metrics, and ongoing monitoring so we can scale what works and manage risk with confidence.

 

Job Responsibilities

• Own end-to-end portfolio strategy across the program, balancing growth, profitability, credit/fraud risk, and customer experience within a strong control framework.

• Lead lifecycle credit risk / underwriting strategy in partnership with Risk, including segmentation, credit policy and decisioning enhancements, line management approaches, and ongoing portfolio actions aligned to risk appetite.

• Own pricing strategy direction and governance for new and existing customers in partnership with Pricing, including test-and-learn agendas, performance monitoring, and recommendations through appropriate approval forums.

• Drive fraud strategy in partnership with Fraud across application, onboarding, and account lifecyclereducing fraud losses while minimizing customer friction and false positives.

• Build and run the portfolio innovation pipeline: identify opportunities, size impact (P&L and risk), prioritize the roadmap, execute experimentation (e.g., champion/challenger), and scale winning strategies with program leads.

• Identify and size new segments to responsibly expand the portfolio and define acquisition and lending strategies in partnership with Marketing, Product, Analytics, and Risk.

• Drive lifecycle engagement strategies (activation, early spend ramp, retention/reactivation, and sustainable usage) in partnership with Marketing and Product, aligned to profitability and risk outcomes.

• Establish KPIs and operating cadence (dashboards, performance reviews, executive reporting) to track results, surface trade-offs, and accelerate decisions.

• Coordinate cross-functional execution with program leads across Product, Marketing, Analytics, Operations, Technology, Finance, Risk, Fraud, Pricing, and Complianceensuring clear milestones, owners, dependencies, and delivery timelines.

• Partner with the co-brand partner on portfolio performance reviews, strategic priorities, and in-market execution while maintaining risk and control standards.

 

Required qualifications, capabilities and skills:

• 10+ years of experience in risk strategy, pricing, acquisition/growth strategy, portfolio management, marketing strategy, or commercial strategy.
• Deep experience partnering with risk, pricing, and fraud teams to drive responsible growth.
• Strong analytical capability: ability to synthesize complex data into clear strategies, decisions, and measurable outcomes.
• Strong business and financial acumen with experience managing trade-offs across profitability, losses, fraud, and customer impact.

• Demonstrated strength in test-and-learn / experimentation: forming hypotheses, designing tests, defining success metrics, scaling, and monitoring.

   

• Proven ability to lead cross-functional decision-making with senior stakeholders in a highly matrixed environment, influencing outcomes without direct authority.
• Exceptional executive communication skills (clear narratives, crisp recommendations, strong presence in leadership forums).
• Strong operating discipline like  governance, documentation, controls, and performance management rigor.

 

Preferred qualifications, capabilities and skills:
Strong preference for credit cards, consumer lending, or regulated consumer financial services (or similarly regulated industries).
Command of credit card unit economics is a plus.
Be results-oriented with strong attention to detail and a bias toward action.
Produce executive-level analysis, business cases, and presentations.
Be highly collaborative with excellent stakeholder management and program management skills.

Lead co-brand credit card portfolio strategy across risk, pricing, fraud, and lifecycle to drive profitable growth.