Senior Vice President, USPB Enterprise Risk Management

1 day ago


Wilmington, Delaware, United States Hispanic Technology Executive Council Full time
Job Summary

We are seeking a highly skilled and experienced Senior Vice President to lead our Enterprise Risk and Balance Sheet Management team within the USPB business. The successful candidate will be responsible for managing the credit and franchise risk of the USPB business, as well as executing Enterprise Risk Management (ERM) programs and managing Balance Sheet constraints.

Key Responsibilities
  • Liaise with finance and business partners to evaluate forecasts and implications to USPB capital-based stress losses, RWA, and other relevant balance sheet components.
  • Evaluate drivers of capital-based stress losses and RWA and recommend metrics and leading indicators to track drivers across retail risk pool.
  • Co-ordinate USPB Balance Sheet Management forums, a forum comprising senior USPB stakeholders facilitating the management of USPB retail credit limits, balance sheet capacity, and USPB Balance Sheet Optimization framework.
  • Develop USPB Balance Sheet Optimization framework within all the capital-based binding constraints (CET1, Tier 1, Tier 2 Capital, Total Capital).
  • Monitor key USPB capital metrics such as Stress Loss, RWA & GSIB, develop remediation plans for potential excesses against the approved business plan, and manage limit breach escalation per policy.
  • Build presentations with supportive analysis, storyboard results for senior management & executive management team.
Requirements
  • 10+ years of work experience in financial services or management consulting with heavy focus on capital management, financial planning, and analysis.
  • Working knowledge of Credit Cards and other consumer bank products P&Ls, key risk & return dynamics and loss drivers.
  • Good understanding of Capital and Balance Sheet Management, CCAR & CECL framework, Basel III Endgame.
  • Understanding of forecasting models for balance sheet and P&L.
  • Strong project management skills, proven track record of delivering complex solutions desirable.
  • Proficiency with standard analysis tools (Advanced Excel / Tableau / Power BI / MicroStrategy).
  • Clear concise communication skills, both oral and written; Ability to multi-task and work under pressure; Positive and proactive attitude, ability to collaborate across levels and functions.
  • Excellent analytical skills, ability to derive trends, insights, and perform risk/reward trade-off analysis.
Leadership Competencies
  • Demonstrated history of driving change and managing for results.
  • Efficiently solves complex, ambiguous problems / situations.
  • Collaborative work style; effectively interacts with partners across organizational boundaries and hierarchies.
  • Contributes to a positive work environment and remain calm under pressure.
  • Consistently demonstrate clear and concise written and verbal communication.
Education
  • Preferred masters degree in quantitative disciplines such as Financial Engineering, Operation Research, Econometrics, or similar quantitative discipline; OR MBA Finance.


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