Lead a team of 7 merchant risk professionals to mitigate merchant credit and fraud risk through our underwriting and monitoring programs
Participate in Portfolio Credit Manager (PCM) responsibilities including industry reviews, portfolio monitoring, drive strategy improvements, provide effective challenge, etc.
Possess in-depth understanding of merchant underwriting process and related fraud control processes
Drive cross-client loss-avoidance initiatives, partnering with stakeholders to reduce losses and strengthen controls
Partner with Credit, Senior PCMs, and client teams to support portfolio growth while maintaining disciplined risk appetite and performance
Design and implement enhanced surveillance and early-warning monitoring to detect emerging risk and manage credit exposure
Enforce bank credit policy and underwriting standards; ensure consistent, compliant decisioning and governance
Develop and deliver client-facing and internal executive presentations on portfolio performance, risk themes, and recommended actions
Monitor and escalate operational risks across the portfolio; recommend process improvements and control enhancements
Support driving enhanced strategies, using champion/challenger learnings to manage credit and fraud risk
Investigate and resolve customer/client issues, coordinating root-cause analysis and remediation to improve experience and reduce repeat events
Provide ad hoc analytics and reporting to support leadership decisions, client needs, and special projects

Requirements

Bachelor’s degree and 8+ years of experience in a commercial Credit/Risk role; or in lieu of a Bachelor's degree, 10+ years of experience in a commercial Credit/Risk role
5+ years experience in a credit risk/fraud strategy development role
5+ years SAS/SQL/Python programming experience (proficient level)
Excellent temperament and ability to work through uncertainty, collaborate respectfully across functions & teams, and find solutions to issues
Ability and flexibility to travel for business as required

Benefits

Flexible work arrangements
Annual bonus based on individual and company performance

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit riskfraud riskmerchant underwritingportfolio monitoringSASSQLPythonanalyticsreportingroot-cause analysis

Soft Skills

collaborationproblem-solvingcommunicationleadershipadaptabilitystrategic thinkingpresentation skillsanalytical thinkingdecision-makingcustomer service