Job Description

Zeta is seeking a Senior Vice President of Credit Risk to lead a team focused on optimizing return on equity for credit card programs. The role involves managing underwriting, model development, portfolio management, and risk mitigation strategies for near prime, prime, and super prime segments, leveraging technology and best practices.

Responsibilities

• Develop and evolve machine learning-based underwriting models
• Manage scalable credit risk policies
• Lead credit-informed targeting across marketing channels
• Design credit product constructs for risk-adjusted return
• Develop dynamic credit line and usage strategies
• Manage fraud defenses and collections strategies
• Develop and own credit card P&L and balance sheet models
• Recruit and develop credit and risk talent

Requirements

• 15+ years of leadership in Credit Risk, Underwriting, Acquisitions, Portfolio Management, and Horizontal Risk
• Experience building and managing ML-based credit risk models
• Comprehensive grasp of the U.S. credit card ecosystem
• Strong command of financial modeling and portfolio forecasting
• Familiarity with credit risk infrastructure
• Ability to build and scale high-performing credit teams
• Experience interfacing with regulators (OCC, CFPB, FRB)
• Advanced degree in a quantitative field preferred

Benefits

• No benefits