Sr. Director of Credit Strategy

at Best Egg (Marlette Services) in Wilmington, Delaware, United States

Job Description

Duties & Responsibilities


    • Develop underwriting credit risk strategies for credit card products in acquisition and portfolio management to optimize profitability, improve revenue, minimize credit losses, and improve customer lifetime value.


    • Design credit policies and drive credit strategies for portfolio management for inactive account closures, retention, and authorizations of card transactions.


    • Build new decisioning infrastructure leveraging external credit bureaus and internal data to advance segmentation techniques and predictive models for consumer lending programs such as credit line increases or decreases and, balance transfers, and pricing.


    • Design champion/challenger tests and monitoring and evaluate test results and recommend credit policy changes.


    • Develop benchmarking analysis and quantitative optimization frameworks for portfolio assessment including evaluation of credit risk, financial performance, and P&Ls.


    • Analyze credit strategies performance and credit score effectiveness, MIS, and performance trends.


    • Communicate performance strategies evaluation to stakeholders, senior management, and regulators.


    • Maintain overall risk and return targets for investors particularly in a changing economic environment.


  • Lead a team of analysts and partner with Decision Science, Marketing, Finance, Operations, Technology, Compliance, Legal, and other functional teams to achieve credit strategy goals.
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Job Posting: 1270963

Posted On: May 20, 2024

Updated On: Jun 03, 2024

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