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Credit Card Risk Management Director
Huntington Bancshares
Columbus, OH, United States
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Description
About Huntington
Huntington Bancshares Incorporated is a regional bank holding company headquartered in Columbus, Ohio, with $100 billion of assets and a network of 1,115 branches and 1,891 ATMs across eight Midwestern states. Founded in 1866, The Huntington National Bank and its affiliates provide consumer, small business, commercial, treasury management, wealth management, brokerage, trust, and insurance services. Huntington also provides auto dealer, equipment finance, national settlement and capital market services that extend beyond its core states. Visit huntington.com for more information.
Detailed Description
The credit card Risk Management & Strategy Director serves as 1st line oversight for mitigating all credit risk relating to the Huntington consumer and small business credit card portfolios. In addition to managing a team of five colleagues, the credit card Risk Management & Strategy Director will collaborate with key business partners (i.e. Product, Credit Admin, Compliance, etc.) to drive the overall credit card risk management strategies for credit card acquisition credit policy/ underwriting, portfolio management and optimization, adaptive controls, and collections.
Responsibilities include:
• Controls overall credit strategy for mitigating credit risk for the consumer and small business credit card portfolios
• Responsible for balancing Huntington's moderate to low risk appetite with aggressive portfolio growth goals
• Supervises team of credit card risk managers that help optimize profit and minimize risk by impacting the credit card Adaptive Control, Collections, Underwriting and Portfolio Management risk strategies
• Owns monthly credit card credit loss forecast and budget process
• Collaborates with multiple levels of management and various business segments including Credit Admin, Collections, Retail, IT, Finance, and Compliance
• Drives credit loss reporting and analysis to monitor risk and profitability trends within the consumer and business card portfolios
• Leverages industry experience, peer network and benchmarking avenues to continually optimize Huntington's credit card risk management strategies
Basic Qualifications:
• Bachelor's degree in business, accounting, finance, economics, marketing or related field required
• Minimum 10 years credit card Credit Risk Management / Credit Policy experience working for a credit card issuer
• Experience with Consumer, Business, Wealth and Secured credit cards
• Experience with development of underwriting scorecards and credit policies
Preferred Qualifications:
• Masters' degree
• 5 Years Leadership Experience
• Able to work with colleagues who approach strategic decisions with different, and less risk-averse, perspectives
• Ability to educate and drive cultural awareness of effective risk management
• Excellent influencing, consulting and communication (both oral and written) skills, with the ability to successfully interact with and relate complex technical information to multiples audiences in business terms
• Ability to independently manage multiple work efforts, including directing key stakeholders across the bank
• Strong research and analytical skills; Microsoft Office tools (Word, Excel, Visio, PowerPoint, Outlook), SAS, SQL
• Keen understanding of the credit card P&L and how strategy changes will impact overall profitability, not just credit losses
• Experience leading / managing analytical resources
• Experience with leveraging adaptive control tools to implement, maintain and enhance strategies
• Ability to communicate with all levels of management
• Strong skillset to effectively manage in a matrix style management environment
• Acute attention to detail
• Ability to clearly articulate methodology for issue resolution to complex problems
• Analytical thought process and ability to determine paths of action and make recommendations to remediate issues
• Previous success in creating effective risk management programs and processes
• Familiarity with forecasting methodologies for credit card to include profitability as well as credit losses
• Comprehensive understanding of Collections and Risk Management regulations as well as industry best practices
• Problem Solving and Critical thinking, with the ability to identify root cause and proper solution
EEO/AA Employer/Minority/Female/Disability/Veteran/Sexual Orientation/Gender Identity
Tobacco-Free Hiring Practice: To demonstrate our commitment to health and wellness, Huntington will not hire any candidate who uses tobacco or any nicotine product including, but not limited to, cigarettes, cigars, pipes, smokeless tobacco, chewing tobacco, snuff or snus, nicotine gum, the nicotine patch or any other kind of nicotine replacement product (where permitted by applicable state law). Candidates applying for positions in those states will be notified of this practice during the recruitment process and, if offered a position, will be screened for cotinine (to check for use of tobacco and/or nicotine products and/or nicotine replacement therapy products) before they begin employment. If the position to which you're applying is covered by this practice, the job application will provide greater detail as to what constitutes tobacco use.