Business Head - Credit Cards

All about ZetaZeta is a Next-Gen Banking Tech company that empowers banks and fintechs to launch banking products for the future. It was founded by Bhavin Turakhia and Ramki Gaddipati in 2015.
Our 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 globally.
Zeta is actively working with the largest Banks and Fintechs in multiple global markets transforming customer experience for multi-million card portfolios.Zeta has over 1700+ employees - with over 70% roles in R&D - across locations in the US, EMEA, and Asia. We raised $280 million at a $1.5 billion valuation from Softbank, Mastercard, and other investors in 2021.Learn more @ www.zeta.tech, careers.zeta.tech, Linkedin, Twitter
About the RoleWe are looking for a Business Head of Credit Cards who will report directly into our CEO, Bhavin Turakhia, leading a cross-functional team of rockstars that launch and operate multiple high RoE credit card programs in the US market across near-prime and prime segments At Zeta we believe in operating high RoE credit card programs with a strong foundation in Risk Management complimented by leveraging the best technology platforms to drive down cost to income ratios and optimize RoE

What would you do here?

• The ideal candidate has hands-on experience across defining, launching, implementing and optimizing the full Program Management lifecycle of a Credit Card including.
• 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 
• 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 

What are we looking for?

• Deeply Analytical and Data Driven
• Engineering Mindset - Ability to operate from first principles, heavily leverages tools and technologies, high tech aptitude
• Indepth knowledge and understanding of Risk and Regulations
• Hands-on, Roll up your sleeves and get into the details attitude
• Operational Rigor
• Leadership skills - Ability to identify, attract, inspire, train and retain the best talent and operate with a lean and efficient team
• Demonstrable experience (preferably 15+ years) across heading at least Credit Risk and Underwriting, Acquisition, Portfolio Management and Collections for large-sized credit card portfolio
• Experience in building a credit card portfolio from scratch as a cross-functional leader desirable
• Degrees in Engineering / Economics / Finance / Statistics desirable 

Life At ZetaAt Zeta, we want you to grow to be the best version of yourself by unlocking the great potential that lies within you. This is why our core philosophy is ‘People Must Grow.’ We recognize your aspirations; act as enablers by bringing you the right opportunities, and let you grow as you chase disruptive goals. 
#LifeAtZeta is adventurous and exhilarating at the same time. You get to work with some of the best minds in t