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 Bhavin Turakhia and 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.

15M+ 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. Zeta has over employees - with over 70% roles in R&D - across locations in the US, EMEA, and Asia. We raised $280 million at a $1.5 billion valuation from Softbank, Mastercard, and other investors in 2021.

Learn , careers.zeta.tech, Linked In, Twitter.

About the Role

We are looking for a Senior Vice President, Credit Risk with a 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. The role will report directly into our CEO and be responsible for a team of Analysts and Data Scientists that help our clients optimize RoE for multiple credit card programs across near-prime, prime and super-prime segments, leveraging best in class technology and practices.

Responsibilities

• Models and Credit Policy - 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

• Marketing & Targeting - 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

• Pricing & Product Optimization - 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

• Portfolio Management - 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

• Fraud and Collections - Manage 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

• P&L Valuations - 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

• People Leadership - 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

Skills And Attributes

• A blend of strategic vision and operational rigor: equally comfortable crafting high-level credit strategy and leading execution end-to-end

• Extensive experience building and managing ML-based credit risk models, with deep understanding of model governance, policy development, and performance management across different economic cycles

• A comprehensive grasp of the U.S. credit card ecosystem, including market dynamics, vintage-based economics, bureau and…