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Lead Credit Risk Officer, Business Credit Card Originations, Credit Strategy Lead
WF. Lead analytical workstreams supporting originations credit strategy, including underwriting, credit line assignment, pricing, acquisition channels, and portfolio performance .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in Credit Risk Strategy, including underwriting, credit line assignment, and portfolio performance analytics. Proficient in using analytical tools to derive insights that influence business decisions and support strategic recommendations.
Highest-signal resume keywords
Credit Risk ExperienceSQLSASPythonTableau
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Risk AnalysisUnderwritingPortfolio Performance AnalyticsData InterpretationPerformance Monitoring
Soft Skills
Analytical Problem-SolvingCross-Functional CollaborationCommunication
Tools & Technologies
Power BIData Quality ChecksDashboardsAutomated Routines
Industry Keywords
Credit CardSmall Business LendingConsumer CreditFair LendingProfitability Measurement
Tech Stack
Tools & technologiesPythonSQLTableau
About the role
Key responsibilities & impact- Lead analytical workstreams supporting originations credit strategy, including underwriting, credit line assignment, pricing, acquisition channels, and portfolio performance
- Evaluate credit strategy performance across application volume, approval rates, booked accounts, credit quality, customer profiles, credit line assignment, pricing, and early performance outcomes
- Identify drivers of performance trends, variances, risks, and opportunities and translate findings into strategic recommendations
- Use data and analytical tools to extract, summarize, and interpret information for strategy monitoring, diagnostics, and decision-making
- Develop insights and recommendations related to growth, profitability, customer acquisition, and risk management objectives
- Lead recurring monitoring and reporting routines for originations strategy performance
- Support forecasting, valuation, and scenario analysis related to acquisition volume, booked accounts, credit exposure, channel performance, and strategy changes
- Influence cross-functional partners by connecting analytical findings to business implications, tradeoffs, and actions
- Prepare executive-ready materials, presentations, and talking points for senior leadership, business reviews, risk assessments, and governance forums
- Support test-and-learn activities, measurement plans, and post-implementation monitoring
- Partner with Risk, Product, Marketing, Finance, Modeling, Technology, Operations, Compliance, Fair Lending, and control partners
- Build or enhance reporting, standardized datasets, dashboards, data quality checks, and reusable analytical routines
- Document assumptions, methodology, monitoring results, recommendations, and decision rationale for governance, auditability, and independent review
Requirements
What you’ll need- 5+ years of Credit Risk experience, or equivalent demonstrated through work experience, training, military experience, or education
- Experience leading or supporting credit risk strategy, originations strategy, underwriting, credit line assignment, pricing, customer acquisition, or portfolio performance analytics
- Experience within credit card, small business lending, commercial card, consumer credit, unsecured lending, or revolving credit products
- Strong analytical and strategic problem-solving skills
- Experience monitoring originations, acquisition, underwriting, credit quality, approval, booked account, or early performance trends
- Experience using SQL, SAS, Python, R, Tableau, Power BI, or similar analytical tools
- Ability to translate complex data and analysis into clear insights, executive-ready materials, and leadership-level recommendations
- Experience influencing business decisions through data-driven insights and cross-functional partnership
- Experience partnering across Risk, Product, Marketing, Finance, Modeling, Operations, Technology, Compliance, Fair Lending, or control functions
- Knowledge of credit policy, fair lending considerations, customer targeting, profitability measurement, portfolio risk indicators, or strategy governance practices
- Experience building or enhancing reporting, dashboards, reusable datasets, data quality checks, automated routines, or standardized analytical processes
- Ability to travel up to 10% of the time
- This position is not eligible for Visa sponsorship
- Required locations: Wilmington, Delaware; Charlotte, North Carolina; or Columbus, Ohio
- Relocation assistance is not available
Benefits
Comp & perks- Health benefits
- 401(k) Plan
- Paid time off
- Disability benefits
- Life insurance, critical illness insurance, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
- Incentive opportunities may be available