Credit Card Policy Supervisor

1. Credit Card Product Policy
Own and continuously improve credit card product policies across the customer lifecycle.
Define and optimize policies covering:
Customer eligibility and segmentation.
Credit application and underwriting.
Credit scoring and decision rules.
Credit limits and limit assignment.
Line increase/decrease policies.
2. Credit Risk Management
Monitor and manage credit risk across the credit card portfolio.
Establish appropriate risk thresholds, approval strategies, and portfolio controls.
3. Product & Portfolio Optimization
Develop strategies to improve customer acquisition while maintaining acceptable risk.
Conduct portfolio segmentation and develop differentiated strategies for different customer groups.
Provide regular portfolio performance reviews and recommendations for credit limit management and risk mitigation during customer lifecycle.
4. Cross-functional work
Partner closely with Credit Risk to ensure alignment between product strategy and risk appetite.
Work with Data/Analytics teams to develop actionable portfolio insights.
Collaborate with Operations, Collections, Compliance, Legal, and IT to implement product and policy changes.
Lead cross-functional projects from policy design through implementation and post-launch monitoring.