Senior Manager, Commercial Credit Card & Commercial Payment Product Credit Risk Management

Description Summary: 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. Duties and 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 restructurings. 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. Basic Qualifications: 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.

Preferred Qualifications: 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.

Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Compensation Range: $125,000-$255,000 Annual Salary The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education.  Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.

In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). 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. Welcome to Huntington! At Huntington, we look out for people. From reinventing banking with game-changing innovations to building an internal culture that creates lifelong bonds, together, we can make people’s lives better. And amazing things happen when we look out for each other. We prove it every day.

Whether it’s helping a colleague or collaborating on a new tool that will revolutionize the way people save money, our actions can have a huge impact. Our colleagues look out for people with a Can-Do Attitude, Service Heart and Forward Thinking. Those are our values—simple but powerful. Each of them pushes us do the right thing, to do right by people. Because people are what matter. If that sounds like you, we hope you’ll apply to join our team.

If you’d like to learn more about how Huntington looks out for people, visit https://www.huntington.com/lookingout We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of this site or if you require a reasonable accommodation to apply for a job or to perform the essential functions of the job, please send an email to HuntingtonCareers@Huntington.com Reasonable Accommodations Reasonable Accommodations Various methods will be used throughout the recruitment process to verify candidate authenticity.

Any interviews conducted virtually must be joined from a distraction-free environment, with the candidate on camera and without the use of virtual backgrounds. EEOC Disclaimer Know Your Rights CA Data Privacy CA Data Privacy Rights Tobacco Disclaimer Tobacco-Free Hiring Practice 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.