Business Card Strategic Analytics, Vice President

In this role, you drive the development and optimization of acquisition credit criteria and underwriting policies to support sustainable growth within a strong control environment. You will own decision rules, risk segmentation, and approval cutoffs, using advanced analytics to balance growth, profitability, and risk. You'll lead cross-functional implementation from strategy to governance and present insights to senior leadership. This position offers the chance to shape credit policy in a large, mission-driven bank and work on complex risk analytics that impact customers and communities.

• comprehensive health care coverage
• retirement savings plan
• tuition reimbursement
• mental health support
• financial coaching
• total rewards package

• Own acquisition credit criteria, underwriting policies, risk segmentation, and decision rules.
• Analyze portfolio performance and emerging risk trends to improve risk-adjusted growth and customer outcomes.
• Develop analytical solutions using SAS, SQL, Python, and visualization tools to evaluate policy performance and tradeoffs.
• Optimize acquisition strategies balancing approval rates, delinquency and losses, profitability, and regulatory needs.
• Translate analyses into actionable recommendations for senior leadership and business partners.
• Partner with Product, Finance, Operations, Technology, Control Management, Compliance, and Fair Lending to design criteria.
• Lead end-to-end implementation of credit criteria changes, including requirements, validation, and post-implementation reviews.
• Establish monitoring frameworks and reporting for performance, drift, and risks.
• Maintain governance, documentation, and controls across the credit criteria lifecycle for audits and regulatory reviews.
• Identify opportunities to enhance underwriting with new data sources, automation, and process improvements.
• Coach and develop junior analysts to promote rigor and collaboration.

• 5+ years in risk management, credit strategy, analytics, lending, or financial services.
• Hands-on ownership of acquisition credit criteria, underwriting policy, or credit decision frameworks.
• Strong judgment balancing growth, profitability, customer experience, and risk.
• Advanced analytics and statistical techniques on large datasets to drive decisions.
• Proficiency in SAS and SQL with repeatable analyses and monitoring.
• Effective written and verbal communication to senior management.
• Ability to influence cross-functional stakeholders without direct authority.
• Strong project and end-to-end execution discipline.
• Attention to detail and commitment to quality deliverables.
• Understanding of core credit risk concepts and portfolio drivers across consumer/business lending.
• Bachelor's degree in Statistics, Economics, Finance, Mathematics, Engineering, Data Science, or related quantitative field.

• strong communication
• influence without authority
• project management
• SAS
• SQL
• Python