Head of Credit Risk

Harnham; United States; On-site; USD 180,000 - 280,000; Full time

Job summary

Harnham seeks a Head of Credit Risk to lead the strategy for card-related credit risk and analytics, guiding responsible lending decisions and strengthening risk governance across card portfolios. You will oversee teams responsible for risk assessment, monitoring, and reporting, and you will translate complex risk insights for stakeholders to drive portfolio performance.

This senior leadership role requires demonstrated experience in credit risk leadership, risk analytics, and effective

Qualifications

• Extensive experience leading credit risk programs at senior level,
• Track record of building analytics to inform credit decisions.
• Experience with card portfolios and governance processes.

Responsibilities

• Define and execute the credit risk strategy for card portfolios.
• Oversee risk analytics, monitoring, and reporting to guide decisions.
• Lead and develop teams, manage governance and stakeholder engagement.

Skills

Credit risk leadership

Risk analytics

Card portfolio risk

Stakeholder communication

Job description

The client is hiring a Head of Credit Risk focused on card-related credit risk and analytics. In this senior leadership role, you will oversee the credit risk strategy and related analytics efforts to support responsible lending decisions and strengthen risk management practices across card portfolios.

You will lead teams responsible for credit risk assessment, monitoring, and reporting, ensuring that risk models and analytics support business goals while maintaining sound governance. You will work to identify emerging risk trends, improve decisioning and risk controls, and provide actionable insights to relevant stakeholders to help manage portfolio performance.

Qualified candidates will have substantial experience in credit risk leadership, with a strong background in risk analytics and card portfolio risk management. You will bring demonstrated experience managing risk processes and developing analytics that inform credit decision-making, along with the ability to communicate risk insights clearly and drive continuous improvement in risk management.