Zeta is hiring a
Business Head in Worldwide

Summary

The job is for a Business Head of Credit Cards at Zeta Suite, a Next-Gen Banking Tech company. The role involves defining, launching, implementing, and optimizing the full Program Management lifecycle of a Credit Card, with responsibilities in Product Definition, Marketing, Underwriting, Portfolio Management, Operations, Customer Support, Financial Modeling, and Systems knowledge.

Requirements

Systems knowledge - In-depth knowledge of vendors and capabilities across all relevant systems including - Application Processing, Loan Origination, KyC / IDV, Processing, Digital Apps, Servicing Apps, Collections, Fraud, Analytics etc

Responsibilities

• Product Definition - Combines a keen understanding of Customer Persona and Needs with RoA goals to be able to craft Products that have high adoption and high RoA
• Marketing - Well versed in the various digital and non-digital acquisition channels for Near Prime and Prime Credit Cards
• Underwriting - Deep understanding and hands on experience of steps in building, monitoring and updating sophisticated credit risk and underwriting models and rules leveraging bureau data, alternative data and portfolio data
• Portfolio Management - Experience in monitoring and growing the performance and size of large credit card portfolios
• Operations - Experience in defining and running manual and automation processes to optimize Operations including Fraud Operations, Dispute Operations, Production Operations, Application Processing Operations, Account Operations, Settlement Operations. In depth understanding of the KPIs to measure and the pitfalls to watch for
• Customer Support - Experience in running Contact Centers that deliver world class CSAT Collections - Experience in defining sophisticated contact and collections strategies that a re both compliant and efficient, leveraging best in breed tools
• Financial Modeling - Deep understanding and first hand experience in building sophisticated, multi-year, Credit Card Financial models (Income Statement and Balance Sheet), with granular assumptions of the relevant vintage curves in-depth

Preferred Qualifications

• Experience in building a credit card portfolio from scratch as a cross-functional leader desirable
• Degrees in Engineering / Economics / Finance / Statistics desirable