• Own credit portfolio performance analysis across our lending products, identifying emerging trends, risks, and opportunities to improve portfolio outcomes. • Develop and refine credit strategies that balance growth, risk management, and customer experience. • Lead deep analytical investigations into portfolio performance, underwriting outcomes, and borrower behavior to inform strategic decisions. • Partner closely with Data Science to guide the development and implementation of predictive models and risk frameworks. • Collaborate with Product and Engineering teams to translate credit strategy into scalable underwriting policies, automated decisioning, and platform capabilities. • Present strategic insights and recommendations to executive leadership, internal Credit Committee, and external lending partners. • Design and enhance analytical tools, dashboards, and reporting frameworks to improve visibility into key credit and portfolio metrics. • Influence company-wide risk strategy by providing expert perspective on underwriting policies, portfolio management, and credit expansion opportunities.