• Support the development and enhancement of next-generation credit programs, including market segment identification, competitor analysis, credit rule design, and integration of analytic models and scorecards. • Partner closely with Technology and Data teams to support implementation of AI automation, APIs, and credit decisioning tools. • Translate business needs into clear business requirements and contribute to project plans, timelines, and delivery milestones. • Collaborate with operational departments (Sales, Credit, Funding, Servicing, and others) to improve program performance and customer outcomes. • Manage and execute program initiatives from concept through launch, ensuring alignment with business objectives. • Manage and execute decision rule engine. • Monitor program performance using data and analytics; recommend optimizations based on results and risk trends. • Contribute to credit policy, guidelines, and decision management frameworks across lending products. • Prepare materials and present updates on program performance, risks, and initiatives to leadership. • Coordinate with internal stakeholders to ensure effective communication, issue resolution, and on-time delivery of projects. • Mentor junior team members or analysts as needed and contribute to a collaborative team culture.