Head of Credit Risk, Credit Cards

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At FNBO, our employees are the heart of our story-and we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success. Summary of the Job: The Head of Credit Risk, Partnership Credit Cards is a critical credit risk leadership role responsible for leading a best-in-class team that drives sustainable growth within FNBO's risk appetite, supported by the power of analytics, effective governance, customer focus, and strong partnerships across the enterprise. This individual manages acquisitions and account management credit risk for the FNBO consumer card portfolio while maintaining and continuously improving a strong, forward-compatible credit risk management environment. The pace, breadth, and complexity of challenges that the credit risk management organization must address continue to expand rapidly. The Head of Credit Risk, Partnership Credit Cards will be responsible for appropriately assessing the dynamic evolution of consumer behavior (e.g., payment and revolve patterns), protecting customers and FNBO by identifying and mitigating the impact of macroeconomic declines and adhering to regulatory and policy requirements. About This Role: Key responsibilities of this position include: Partnering with cross-functional partners, and stakeholders to deliver sustained growth through prudent risk practices. Leading a best-in-class credit risk team accountable for all related credit risk New Account strategy development and execution across all customer channels, including digital, store and mail; this includes monitoring and refining rules for account opening. Existing Customer Account Management strategy development and execution, key to which are: Exposure Management, Authorization Strategy, Balance Consolidation, Sales Growth Initiatives. Credit Operations management and continuous improvement for unsecured consumer cards, secured cards, and small business cards. Delivery of strategic initiatives and management of new and emerging risks Ensuring a consistent and strong control environment Partner with modeling team on new tools, machine learning techniques and alternative data Represent credit risk management at executive and partner committee meetings (e.g., Capital Allocation Committee, Credit Policy Committee) The Ideal Candidate for This Role: 15+ years of relevant credit risk management or financial services experience required 5+ years of people management experience, including experience as a manager of managers Knowledge of card P&L dynamics and the interaction of consumer behaviors, product configuration and the macroeconomic environment Demonstrated experience in leading change, with a track record of identifying and implementing opportunities to improve business operations and performance Demonstrated success in managing partner relationships Working knowledge of the applicable laws and regulations that govern lending in a financial institution Education Level: Bachelor's Degree, Masters Degree preferred in finance, engineering, mathematics, or statistics Leadership Attributes: Strategic Visioning: Defines and articulates the future state through an understanding of internal and external challenges, identifying unique opportunities to create value. Creativity & Innovation: Generates or facilitates the generation of new ideas, methods, product, or solutions. Assertiveness & Courage: Takes action in the face of challenges, despite fear of failure or feelings of discomfort and uncertainty. Building Talent: Focuses on selecting and managing the organization's talent to ensure retention and availability of critical skills needed to meet business needs. Change Leadership: Initiates and facilitates organization changes and business transformation. Decision Making: Selects a course of action from different alternatives to reduce risk and uncertainty and to create optimal outcomes. Candidates must possess unrestricted work authorization and not require future sponsorship. Work Environment: It is anticipated that the incumbent in this role will work remotely, offering you the freedom to contribute to our mission from wherever you work best, without compromising on career growth or connection to our team. Regardless of your location, you'll be fully integrated into our team through robust digital collaboration tools and regular communication. The incumbent can work remotely from any of the states listed on the job posting, though occasional travel may be required for in-person meetings. Please note, work location is subject to change based on business needs. Compensation and Benefits Overview: We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs: Medical, Dental, Vision Insurance 401k, With Matching Contributions Time Off Programs Health Savings Account (HSA)/Dependent Care