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About the Role

The Senior Manager, Commercial Credit Card & Commercial Payment Product Credit Risk Management leads multiple teams responsible for managing credit and operational risk across the commercial card and payment product lifecycle. This role develops departmental plans, establishes priorities, allocates resources, and maintains risk management practices that support business objectives, regulatory requirements, and the bank’s risk appetite. The Senior Manager partners with business, Credit, Compliance, Operations, Collections, Legal, and other risk functions to resolve complex issues, strengthen controls, and influence decisions affecting portfolio performance.

Responsibilities

Lead multiple related teams responsible for commercial credit card and payment product risk management, setting priorities, allocating resources, and establishing performance expectations aligned with business objectives and departmental plans.
Oversee the evaluation of creditworthiness for existing corporate, middle-market, and small-to-medium enterprise clients, including financial statement analysis, commercial bureau information, and guarantor or parent-company risk assessments.
Establish and maintain practices for setting, monitoring, and adjusting credit limits, temporary credit increases, exposure thresholds, and spend controls in accordance with the bank’s risk appetite and established credit authority.
Direct portfolio monitoring activities, including the evaluation of delinquency trends, utilization, payment behavior, industry concentrations, emerging risks, and other indicators that may affect portfolio performance.
Translate applicable commercial card, billing, disclosure, consumer protection, and data-use requirements into operational controls, partnering with Compliance and other risk functions to support consistent execution.
Oversee early-intervention and collection strategies for emerging credit concerns, including communication with client treasury or expense-management contacts and decisions involving account restrictions, freezes, exposure reductions, or restructurizations.
Identify and resolve complex credit, operational, and organizational problems by coordinating appropriate resources across the department and influencing business and risk leaders to take action.
Lead issue remediation and examination-readiness activities, including control-gap assessment, corrective-action planning, progress monitoring, audit and regulatory-examination support, and sustainable resolution of identified issues.
Performs other duties as assigned.

Requirements

Bachelor’s Degree
10 years of relevant experience in commercial credit, commercial cards, commercial payments, financial services risk management, portfolio management, or a related field.

Skills

Experience evaluating commercial credit risk through financial statement analysis, commercial bureau information, payment performance, and related credit data.
Experience managing credit exposure, portfolio performance, operational controls, issue remediation, or regulatory and audit activities.
Knowledge of commercial card and payment products, commercial credit practices, risk appetite, and applicable regulatory requirements.
Demonstrated ability to develop departmental plans, allocate resources, lead through complex issues, and influence senior business and risk stakeholders.
Strong leadership, judgment, communication, negotiation, and decision-making skills
Experience leading credit or product risk management for corporate card, purchasing card, virtual card, integrated payables, merchant, or other commercial payment products.
Experience managing risk across corporate, middle-market, and small-to-medium enterprise portfolios.
Experience partnering with second-line Compliance, Credit Risk, Operational Risk, Legal, Audit, Collections, and regulatory-examination teams.
Experience developing portfolio monitoring, early-warning, credit-line management, collection, or risk-control frameworks.
Advanced degree or relevant professional certification in finance, accounting, credit, risk management, or a related discipline.

Location

Office

Work Type

Office
Hybrid

Experience Level

Senior Manager
10 years of relevant experience

Education Level

Bachelor’s Degree
Advanced degree or relevant professional certification in finance, accounting, credit, risk management, or a related discipline.

Salary/Compensations

$125,000-$255,000 Annual Salary

Benefits

health insurance coverage
wellness program
life and disability insurance
retirement savings plan
paid leave programs
paid holidays
paid time off (PTO)

About the Company

Huntington is an Equal Opportunity Employer.
Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.
Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

Equal Opportunity

Huntington is an Equal Opportunity Employer.