VP, Portfolio Credit – Home & Auto

Drive portfolio credit management for Oil & Gas and Car Care client portfolios, balancing risk vs. reward through delinquency, loss, and fraud mitigation. Lead cross-functional strategies to improve customer experience, enforce credit policies, and support deal structuring, pricing, and renewals aligned with risk appetite. Present credit performance to clients and senior leadership, coordinate planning cycles, and mentor portfolio credit staff while maintaining credible challenge of key decisions.