• Evaluate and refine credit policies and models for both consumer and SMB credit cards to minimize losses and enhance profitability. • Develop and implement tailored, data-driven strategies for effective management of the consumer and SMB credit card portfolios. • Conduct risk segmentation, behavioral, loss forecasting, line management and other empirical analyses to support and refine credit models used in underwriting practices for consumer and SMB credit card portfolios. • Build dashboards and present regular reports on key performance indicators (KPIs) and key risk indicators (KRIs) specific to consumer and SMB credit cards to senior management. • Maintain up-to-date knowledge of regulations and compliance requirements affecting both consumer and SMB credit card products.