layiq

/la·yiq/adjective

worthy; deserving; fitting; suitable.

A role, opportunity, or path that merits attention, time, and pursuit.

Head of Credit - International Cards at Lendable | LAYIQ

International Credit Strategy & Portfolio Growth
Develop and execute credit risk strategies for sustainable growth across US and Mexico portfolios
Review credit policies, underwriting standards, and risk appetite frameworks for each market
Drive portfolio expansion through data-driven decisioning and continuous strategy refinement
Balance growth objectives with credit quality targets and profitability metrics
Lead strategic planning for future market expansion opportunities
Partner with US and Mexico leadership teams to align credit strategy with business objectives
Conduct ongoing market assessments to identify opportunities and emerging risks
Market-Specific Optimization & Operations
Navigate US and Mexico regulatory landscapes
Maintain and strengthen relationships with industry partners in both markets
Continuously refine credit products and risk models based on market performance and data insights
Optimize risk-return trade-offs through ongoing portfolio analysis and strategy testing
Implement market-specific risk mitigation strategies and collection approaches
Prepare credit frameworks and infrastructure for future market expansions
Portfolio Management & Sustainable Growth
Drive sustainable portfolio growth across US and Mexico while maintaining credit quality standards
Monitor and optimize portfolio performance metrics including originations, delinquency, losses, and profitability
Implement robust early warning systems and portfolio monitoring frameworks for proactive risk management
Conduct vintage analysis and cohort tracking to inform strategy adjustments
Lead portfolio stress testing and scenario planning to ensure resilience
Balance growth objectives with prudent risk management and capital efficiency
Drive continuous improvement through champion-challenger testing and iterative optimisation
Establish performance benchmarks and reporting cadences for executive leadership
Team Building & Leadership
Help build and lead a world-class international credit risk organization
Recruit, develop, and retain top talent
Partner with Product, Operations, Technology, and Compliance teams on portfolio optimization initiatives
Work closely with Finance on capital planning, provisioning, forecasting, and P&L management
Collaborate with Data Science teams on model development, enhancement, and innovation
Support Marketing and Growth teams with credit-informed customer acquisition and retention strategies
Engage with Legal and Compliance on regulatory navigation, risk governance, and policy development
Essential Experience
10+ years of progressive experience in credit risk management within consumer lending or credit cards
5+ years in senior leadership roles with demonstrable impact on portfolio performance
Proven experience managing and growing credit card portfolios across multiple markets
Deep expertise in credit risk strategy, modelling, and portfolio optimization
Strong track record of building and managing high-performing, geographically distributed teams
Experience with US credit card market regulations and operations required
Experience with Latin American markets (Mexico preferred) or emerging market credit operations
Key Success Factors
Ability to drive sustainable portfolio growth while maintaining credit quality and profitability
Strong business acumen with deep understanding of credit card economics and P&L drivers
Data-driven decision maker who can translate analytics into actionable strategies
Skilled at balancing short-term performance with long-term portfolio health
Effective at building trust and collaboration across borders and organizational functions
Resilience and adaptability in navigating different market dynamics and regulatory environments
Strategic thinker with strong execution capabilities to deliver results

Head of Credit - International Cards

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