SeniorRiskManager,Cards

Role Overview We're seeking a Senior Risk Manager, Cards to own the data and risk intelligence behind Trovy's card product. You'll build the analytics infrastructure that drives card portfolio strategy, monitor and manage transaction fraud, and deliver the insights that keep Trovy's card performing well for both borrowers and the business. This role has clear ownership distinct from Trovy's credit and underwriting function, which focuses on origination and HELOC servicing. You'll work closely with our BIN sponsor and card network partners, and have direct influence on how Trovy's card product evolves. This is a senior IC role with meaningful growth potential as the card portfolio scales. Key Responsibilities Card Portfolio Analytics - Own end-to-end card portfolio analytics: spend behavior, draw patterns, utilization, interchange economics, and cardholder engagement - Build and maintain portfolio performance reporting for internal leadership, board, and lending partners - Develop cohort and vintage analyses to track cardholder behavior over time and identify trends early - Analyze the relationship between card usage and HELOC draw activity to surface insights on product engagement and cross-product behavior - Model interchange revenue, rewards cost, and net card economics to inform product and pricing decisions - Partner with finance on card-related forecasting and portfolio projections Fraud Risk & Detection - Own Trovy's card fraud strategy across transaction fraud, card-not-present fraud, account takeover, and friendly fraud - Build and maintain fraud detection rules, velocity controls, and behavioral models in partnership with product and engineering - Monitor fraud loss trends by channel, merchant category, and cardholder segment, and respond to emerging patterns in real time - Manage chargeback and dispute analytics, including win rate tracking and root cause analysis - Evaluate and optimize third-party fraud tooling - Coordinate with Trovy's BIN sponsor on fr