About ZetaZeta is aNext-Gen Banking Techcompany that empowers banks and fintechs to launch banking products for the future. It was founded by and Ramki Gaddipati in flagship processing platform - Zeta Tachyon - is the industry’s first modern, cloud-native, and fully API-enabled stack that brings together issuance, processing, lending, core banking, fraud & risk, and many more capabilities as a single-vendor stack. 15M+ cards have been issued on our platform is actively working with the largest Banks and Fintechs in multiple global markets transforming customer experience for multi-million card has over1700+employees - with over70%roles in R&D - across locations in theUS,EMEA, andAsia. We raised$280 millionat a$1.5 billionvaluation from Softbank, Mastercard, and other investors in more @,,,

About the RoleWe are looking for a VP Credit Risk and Underwriting with a deep understanding and hands on experience in managing credit risk (including underwriting, model development, line management, portfolio management, forecasting, collections) for large credit card portfolios. This role will report directly into our CEO, Bhavin Turakhia, and be responsible for a team of Analysts and Data Scientists that help our clients optimize RoE for multiple credit card programs across subprime and nearprime segments, leveraging best in class technology and practices.ResponsibilitiesThe ideal candidate has hands-on experience across various dimensions of Credit Risk for large Credit Card Portfolios including -Underwriting - Deep understanding and hands on experience of the steps required in building, monitoring and updating sophisticated LR, XGBoost based credit risk and underwriting models leveraging bureau data, alternative data and portfolio dataCredit Policy Definition - Experience in creating underwriting knockout rules, drafting credit policies, configuring adverse actionsProduct definition - Defining commercial terms of Products to optimize RoE and adoptionPortfolio Management - Experience in monitoring and growing the performance and size of credit card portfolios, minimizing delinquencies and maximizing incomeCollections - Experience in defining sophisticated contact and collections strategies that are both compliant and efficient, leveraging best in breed toolsFinancial 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 curvesIndepth Systems knowledge - Indepth knowledge of vendors and capabilities across all relevant systems including - Application Processing, Loan Origination, Strategy Engines, Collections, Analytics etcSkills and Attributes requiredDeeply Analytical and Data DrivenEngineering Mindset - Ability to operate from first principles, heavily leverages tools and technologies, high tech aptitudeIndepth knowledge and understanding of Risk and RegulationsExpertise in Data Science and Machine LearningHands-on, Roll up your sleeves and get into the details attitudeOperational RigorLeadership skills - Ability to identify, attract, inspire, train and retain the best talent and operate with a lean and efficient teamExperience and QualificationsDemonstrable experience (preferably 12+ years) across heading one or more of Credit Risk and Underwriting, Portfolio Management and Collections for large-sized credit card portfolioDegrees in Engineering / Economics / Finance / Statistics desirableEqual OpportunityZeta is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We encourage applicants from all backgrounds, cultures, and communities to apply and believe that a diverse workforce is key to our success