Made Card

• Define and optimize credit strategies for new account approvals • Develop, refine, and monitor credit policies and customer segmentation strategies • Design pricing and credit limit frameworks to maximize risk-adjusted returns • Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs • Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability • Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs • Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans

• Collaborate closely with Product, Engineering, and Operations teams to deliver risk-based, customer-centric fraud strategies. • Constantly evaluate capabilities against emerging threats (e.g. deepfake videos) and upgrade tech stack as needed. • Review and adjudicate escalations (e.g., deciding on KYC reviews, managing the authorizations case load). • Establish KPIs (e.g., fraud denial rate at onboarding and authorizations) and work hands on with data to develop reporting capabilities. • Prepare case studies (both loss prevented and loss taken), presenting to the Executive Team, and incorporating learnings. • Adopt and implement a test-and-control system to quantify the benefits of new tools and strategies.