AVP, Portfolio Credit Manager (Fintech)

Location: West Chester, Ohio, United States. Hybrid work is available from home near a Hub or from an office, with required travel to the nearest virtual or physical Hub for in-person meetings, training, and culture events. Legal authorization to work in the U.S. is required.

Salary: $115,000–$200,000 USD annually, plus eligibility for an annual performance-based bonus.

Company

Consumer financing and credit services organization managing retail and Travel Cobrand portfolios.

What you will do

• Manage consumer credit risk across all stages of the cardholder lifecycle for Travel Cobrand portfolios.
• Prepare credit risk reporting and analytics to identify risk and support portfolio growth.
• Partner with retail clients and internal teams to balance risk, safety, soundness, and client satisfaction.
• Develop enhanced credit and fraud risk strategies using champion/challenger analysis.
• Present recommendations to clients and leadership teams to support informed decisions.
• Coordinate planning cycles and multisite/country resources for accurate monthly MIS and reporting.

Requirements

• Bachelor’s degree and 6+ years of experience in consumer or commercial Credit/Risk, Finance, or Analytics; alternatively, 8+ years of relevant experience without a bachelor’s degree.
• 3+ years of experience analyzing large datasets to derive actionable credit insights.
• Programming or analytics experience with SAS, SQL, R, Python, or related tools.
• Ability to provide guidance on risk appetite, prudent growth, and critical business decisions.
• Ability and flexibility to travel for business as required.
• Must satisfy U.S. employment authorization and background, fingerprinting, drug testing, and regulatory eligibility requirements.

Nice to have

• Fraud or consumer finance experience.
• Python experience.
• Experience working with multiple data sources, data warehouses, and database tools.
• Strong communication, collaboration, problem-solving, and critical-thinking skills.

Culture & Benefits

• Flexible hybrid work model with access to virtual and physical Hubs.
• Annual bonus eligibility based on individual and company performance.
• Inclusive workplace with employee resource groups supporting community and professional growth.
• Reasonable accommodations are available throughout the application and employment process.