**Job Purpose**

The C13 VP (Team Lead) is a senior risk leader responsible for owning portfolio-level credit risk outcomes while leading a team of risk professionals.

The role combines hands-on strategic risk ownership, deep analytics, and people leadership, serving as a key decision-maker and advisor to senior business and risk leadership.

**Key Responsibilities**

**Portfolio Risk Ownership**

+ Own end-to-end credit risk strategy for assigned credit card portfolios.
+ Define and manage risk appetite, performance thresholds, and escalation triggers.
+ Personally lead analysis and decision-making for high-impact or complex risk topics.
+ Translate portfolio performance into loss, profitability, capital, and balance-sheet impact.

**Existing Customer Management (ECM) Strategy Leadership**

+ Own enterprise ECM strategy across CLI, CLD, authorization controls, and line management.
+ Define risk-based segmentation fra...