Senior Vice President, Credit Risk

About Zeta

Zeta is a Next-Gen Banking Tech company that empowers banks and fintechs to launch banking products for the future. It was founded by Ramki Gaddipati in 2015. Our flagship processing platform - Zeta Tachyon - is the industry’s first modern, cloud-native, and fully API-enabled stack that brings together issuance, processing, lending, core banking, fraud & risk, and many more capabilities as a single-vendor stack. Over 15 million cards have been issued on our platform globally. Zeta is actively working with the largest banks and fintechs in multiple global markets, transforming customer experience for multi-million card portfolios. We have over 1,700 employees, with more than 70% in R&D roles, across the US, EMEA, and Asia. In 2021, we raised $280 million at a billion-dollar valuation from Softbank, Mastercard, and other investors.

About the Role

We are looking for a Senior Vice President, Credit Risk, with extensive experience in managing underwriting, model development, portfolio management, and horizontal risk (fraud & collections) for large US-based credit card portfolios. The role reports directly to our CEO and will lead a team of Analysts and Data Scientists to help our clients optimize RoE across various credit segments, leveraging best-in-class technology and practices.

Responsibilities

1. Models and Credit Policy - Build and evolve machine learning-based underwriting models using bureau, alternative, and internal data. Define scalable credit risk policies that adapt to macroeconomic trends.
2. Marketing & Targeting - Lead credit-informed targeting strategies, response modeling, and campaign testing to optimize acquisition efforts.
3. Pricing & Product Optimization - Design credit products, including pricing, lines, fees, and rewards, to maximize risk-adjusted returns and customer acquisition.
4. Portfolio Management - Develop strategies for credit lines and usage, monitor KPIs, and optimize portfolio performance.
5. Fraud and Collections - Manage fraud defenses and develop efficient, compliant collections strategies.
6. P&L Valuations - Develop multi-year credit card P&L and balance sheet models to forecast capital needs and inform strategic decisions.
7. People Leadership - Recruit, develop, and lead high-performing credit and risk teams, fostering leadership and organizational growth.

Skills and Attributes

• Strategic vision combined with operational rigor.
• Extensive experience with ML-based credit risk models, governance, and performance management.
• Deep understanding of the credit card ecosystem, market dynamics, and risk methodologies.
• Strong financial modeling skills for portfolio forecasting and insights.
• Hands-on experience with credit risk infrastructure and external vendor ecosystems.
• Proven ability to build and scale high-performing teams and foster innovation.

Experience and Qualifications

• Minimum 15 years of leadership in Credit Risk, Underwriting, and Portfolio Management within large credit card portfolios.
• Experience leading data science teams in developing ML-based credit risk models.
• Regulatory experience with agencies such as OCC, CFPB, and FRB.
• Successful track record in launching or scaling new credit programs, preferably in fintech environments.
• Advanced degree in Engineering, Economics, Finance, Statistics, Mathematics, or related fields is preferred.

Equal Opportunity

Zeta is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We encourage applicants from all backgrounds and communities to apply.