AVP Credit Line Increase Balance Growth Strategy (CRG 1796) - Las Vegas, Nevada United States - 42991


Job #: 42991
Title: AVP Credit Line Increase Balance Growth Strategy (CRG 1796)
Job Location: Las Vegas, Nevada - United States
Employment Type:
Salary: $105,000.00 - $140,000.00 - US Dollars - Yearly
Other Compensation: Bonus
Employer Will Recruit From: Nationwide
Relocation Paid?: Negotiable


We have recruited for this bank for over 20 years.  We have placed people from front-line analysts through to Chief Legal, Chief Credit, and Chief Operations officers.  

They are a great bank with a super strong culture of accountability, analytics, and data.  I've personally placed people at the level of a Senior Analyst and seen them advance up to C-level in under 10 years.  

They have never laid off a person, not after 9/11, not in 2008, and not now.  They don't believe that a person should lose their job to improve the balance sheet.  It doesn't mean candidates are guaranteed a job forever.  People who are not doing their job well will be released, but it will be after every effort is made to find a better fit within the organization.  

Unfortunately, there is ABSOLUTELY no flexibility on location, even in the midst of Covid-19.  Given that this role is fairly junior, assistance for relocation is unlikely to exceed a few thousand dollars, but it is available.  

This person needs to be able to deal with brilliant and demanding people. 


This position is a part of the Risk Management department. Our risk professionals are tasked with identifying revenue opportunities and risk trends by monitoring the performance of our existing portfolio, growth opportunities, and general market trends. We develop and implement strategies for credit line increases, authorizations, collection, fraud, retention, and the sale of revenue based products.

In the role of Assistant Vice President of Balance Growth Strategy, the position will be primarily responsible for managing the Bank’s various credit extension programs.  This position will own monthly Credit Limit Increase (CLI), Convenience Checks (CC), Balance Transfer (BT) program strategy, underwriting, and campaign execution. Also, the position will oversee reporting, developing and leveraging effective MIS to evaluate the performance of the programs and make data-driven recommendations regarding potential strategy changes.


This position should be a subject matter expert regarding portfolio composition, loss rate calculation, forecasting, credit bureau attributes, P&L drivers, and portfolio scores.  The position reports directly to the Vice President responsible for Portfolio Risk Management. 

Summary of Essential Job Functions

  • Ensure strategic alignment to overall enterprise-wide balance growth goals
  • Oversee development and execution of CLI, CC, and BT programs and strategies to meet and exceed company goals
  • Lead team to develop and create new test and offer strategies
  • Optimize current CLI, CC and BT programs and underwriting strategies to increase balance growth and enhance performance across all programs
  • Assess all underwriting rules and strategies to align for business standards and strategic goals.
  • Work closely with the Finance Team to ensure P&L accuracy and alignment at program levels for monthly sign-off 
  • Anticipate issues based on knowledge of business trends and proposes direction and solutions.
  • Serve as an expert consultant to senior management on highly complex issues.
  • Research the impacts of business decisions.
  • Manage the rollout of company-wide pilot programs developed as a result of programmed models.
  • Partner with technology groups to define business requirements.
  • Oversee user acceptance testing and implementation of complex changes.
  • Provide work direction to various levels of analysts.
  • Perform other duties as assigned.


  • Bachelor’s Degree in Economics, Finance, Business, Math or related field.
  • 7+ years experience in Financial Services, Credit Card Issuing, and Banking,
  • Intellectual horsepower with problem solving and analytical skills.
  • Strong communication skills and political savvy.
  • Knowledge of financial analysis and profitability drivers.
  • Ability to quickly assimilate and analyze large amounts of information.
  • Must be able to lead a strong team of analysts and prioritize multiple highly impactful projects.
  • Strong knowledge of Microsoft tool suite (Excel, Word, PowerPoint, Visio).

·Experience in decision science or direct application of decision engine technology in a prior role. 

·Strong financial analytical skills with the ability to read, interpret, and evaluate, financial time-series tracking reports (including vintage analysis). 

·Fundamental knowledge of credit scoring, credit underwriting, and credit risk management. 

·Familiar with a wide variety of credit card industry concepts, practices, and procedures including loss forecasting and Portfolio Management Strategy.

·Advanced technical competencies using SAS Enterprise Guide and Miner and/or SQL, Excel and Tableau are required.

Preferred (Not Required):

  • Advanced degree
  • Consumer Credit Card industry experience
  • 5+ years advanced use of at least one of the following: Microsoft Access, SQL Server, Oracle, or SAS


University - Bachelor's Degree/3-4 Year Degree


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