Senior Vice President, Credit Risk at Zeta

Washington, District of Columbia, United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, BankingIndustries

Requirements

Deep understanding and hands-on experience in managing underwriting, model development, line management, portfolio management, valuations, and horizontal risk management (fraud and collections) for large US-based credit card portfolios
Blend of strategic vision and operational rigor: comfortable crafting high-level credit strategy and solving detailed credit challenges
Ability to lead executives (implied from leading exec)

Responsibilities

Leverage bureau, alternative, and internal data to build and evolve machine learning–based underwriting models, including feature engineering, validation, and performance monitoring. Define and manage scalable credit risk policies that adapt to macroeconomic trends and support resilient growth across segments and partnerships
Lead credit-informed targeting across Direct Mail and digital channels, developing response models, pre-approval criteria, and campaign test-and-learn strategies. Optimize targeting efficiency and cost by refining segmentation and expanding acquisition efforts through co-brand and marketplace partnerships
Design credit product constructs—including pricing, lines, fees, and rewards—that maximize risk-adjusted return and customer acquisition efficiency. Balance offers and incentives to drive spend and revolve behavior while maintaining long-term portfolio profitability
Develop dynamic credit line and usage strategies that balance growth and risk, including line increases, spend incentives, and introductory offers. Monitor and optimize portfolio KPIs through cohort analysis, behavioral modeling, and segmentation-led interventions that drive sustained margin performance
Manage both first- and third-party fraud defenses to protect portfolio health and capital efficiency. Institute sophisticated contact and collections strategies that are both compliant and efficient, leveraging best-in-breed tools
Develop and own multi-year credit card P&L and balance sheet models with granular, vintage-based assumptions across revenue, loss, and funding drivers. Apply deep financial modeling expertise to forecast capital needs, inform strategic decisions, and ensure sustainable, long-term portfolio profitability
Recruit and develop top-tier credit and risk talent, building a high-performing organization from the ground up. Foster leadership growth, drive organizational change, and ensure the team adapts to evolving market, regulatory, and technology dynamics
Responsible for a team of Analysts and Data Scientists that help clients optimize RoE for multiple credit card programs across near prime, prime, and super prime segments, leveraging best-in-class technology and practices. Reports directly to CEO

Skills

Key technologies and capabilities for this role

Machine LearningUnderwriting ModelsFeature EngineeringModel ValidationPerformance MonitoringCredit Risk PoliciesPortfolio ManagementFraud ManagementCollectionsData ScienceCredit CardsBureau DataAlternative Data

Questions & Answers

Common questions about this position

What is the salary for the Senior Vice President, Credit Risk position?

This information is not specified in the job description.

Is this role remote or does it require a specific location?

This information is not specified in the job description.

What skills and experience are required for this role?

The role requires deep understanding and hands-on experience in managing underwriting, model development, line management, portfolio management, valuations, and horizontal risk management including fraud and collections for large US-based credit card portfolios, plus expertise in machine learning-based underwriting models using bureau, alternative, and internal data.

What does the team structure look like for this position?

The role reports directly into the CEO and is responsible for a team of Analysts and Data Scientists that help clients optimize RoE for credit card programs.

What makes a strong candidate for this Senior Vice President role?

A strong candidate has hands-on experience managing all aspects of credit risk for large US credit card portfolios across near prime, prime, and super prime segments, with expertise in ML models, policy management, targeting, pricing, portfolio strategies, fraud, and collections.

Zeta

Cloud-native payment card processing platform

About Zeta

Zeta provides a platform for payment card processing that is designed for banks, financial institutions, and fintech companies. Their main product, the Omni Stack, allows clients to easily create and manage digital credit, debit, and prepaid card programs. This platform works by integrating with existing systems through APIs, which helps streamline the payment processing experience. Zeta stands out from its competitors by focusing on cloud-native solutions and ensuring compliance with important regulations, which helps build trust with their clients. The company's goal is to make payments seamless and less noticeable in everyday transactions, moving towards a future where payments are 'invisible'.

San Francisco, CaliforniaHeadquarters

2015Year Founded

$369.6MTotal Funding

LATE_VCCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Risks

Competition from fintech startups may erode Zeta's market share.

Data privacy concerns could arise as Zeta expands globally.

Dependence on key partnerships like Sparrow poses risks if disrupted.

Differentiation

Zeta's Tachyon platform powers Sparrow's top-rated credit card for underserved markets.

Zeta's Omni Stack enables rapid launch of digital card programs for financial institutions.

Zeta is recognized for compliance with ISO IEC 27001, PCI DSS 4.0, and SOC 2 Type 2.

Upsides

Zeta's partnership with Sparrow opens new revenue streams in underserved markets.

Zeta's technology receives high ratings, enhancing brand reputation and customer trust.

Recognition by Celent boosts Zeta's market positioning for US banks and credit unions.

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