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Vice President Credit Jobs in Silver Spring, MD (NOW HIRING)

ProShares

VP, Credit Management

Bethesda, MD · Hybrid

$180K - $225K/yr

The Credit and Counterparty surveillance position is responsible for the daily monitoring of PFG business partners. The individual will also monitor current market events, regulatory updates, and ...

ProShares

VP, Credit Management

Bethesda, MD · On-site

$180K - $225K/yr

The Credit and Counterparty surveillance position is responsible for the daily monitoring of PFG business partners. The individual will also monitor current market events, regulatory updates, and ...

Mjölnir

VP of Lending

Bethesda, MD · On-site

Strong understanding of credit analysis, financial modeling, and risk management principles ... As a VP of Lending at Hooli, you'll have the chance to make a meaningful contribution to our ...

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All JobsVice President Credit JobsVice President Credit Jobs in Silver Spring, MD

Vice President Credit information

See Silver Spring, MD salary details

$45K

$162.9K

$286.9K

How much do vice president credit jobs pay per year?

As of Sep 4, 2026, the average yearly pay for vice president credit in Silver Spring, MD is $162,853.00, according to ZipRecruiter salary data. Most workers in this role earn between $118,900.00 and $196,400.00 per year, depending on experience, location, and employer.

What does a vice president credit do?

A Vice President of Credit is a senior executive responsible for overseeing a company's credit policies, risk management, and lending procedures. They lead teams that evaluate the creditworthiness of potential clients, set credit limits, and ensure compliance with regulations. Their role also involves developing strategies to minimize bad debt and maximize profitable lending opportunities, as well as collaborating with other departments to support overall business goals.

What are the key skills and qualifications needed to thrive as a vice president credit?

To thrive as a Vice President Credit, you need deep expertise in credit analysis, risk assessment, and financial management, usually supported by a degree in finance, accounting, or a related field. Familiarity with credit management software, financial modeling tools, and relevant certifications such as CFA or FRM is highly valuable. Strong leadership, strategic thinking, and excellent communication skills help build effective teams and foster client relationships. These competencies ensure sound credit decisions, minimize risk exposure, and support the organization's financial health and growth.

What are typical challenges faced by a vice president credit when managing risk across a diverse portfolio?

A Vice President of Credit often navigates challenges such as ensuring consistent risk assessment standards across various regions or business units, adapting to changing market conditions, and responding to evolving regulatory requirements. Balancing the need for profitable lending with risk mitigation can be complex, especially in volatile markets. The role also involves fostering collaboration between credit analysts, relationship managers, and executive leadership to maintain portfolio quality while supporting business growth.

What is the difference between Vice President Credit vs Credit Manager?

AspectVice President CreditCredit Manager
Required CredentialsBachelor's degree, often an MBA, plus extensive experience in credit analysisBachelor's degree in finance, accounting, or related field; experience in credit analysis
Work EnvironmentStrategic leadership, executive meetings, high-level decision makingOperational focus, overseeing credit approval processes, team management
Employer & Industry UsageFinancial institutions, large corporations, banksCorporations, banks, credit agencies
Common Search & ComparisonYesYes

The Vice President Credit typically holds a senior leadership role focused on strategic credit policies and high-level decision making, often requiring advanced degrees and extensive experience. Credit Managers handle day-to-day credit operations, managing teams and credit approval processes. While both roles involve credit analysis, the VP Credit is more strategic and executive-oriented, whereas the Credit Manager is operational and team-focused.

What are the most commonly searched types of Credit jobs in Silver Spring, MD?

The most popular types of Credit jobs in Silver Spring, MD are:

What are popular job titles related to Vice President Credit jobs in Silver Spring, MD?

For Vice President Credit jobs in Silver Spring, MD, the most frequently searched job titles are:

What job categories do people searching Vice President Credit jobs in Silver Spring, MD look for?

The top searched job categories for Vice President Credit jobs in Silver Spring, MD are:

What cities near Silver Spring, MD are hiring for Vice President Credit jobs?

Cities near Silver Spring, MD with the most Vice President Credit job openings:

Vice President Credit jobs near you
Infographic showing various Vice President Credit job openings in Silver Spring, MD as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $162,853 per year, or $78.3 per hour.

VP, Credit Card Portfolio

Andrews Federal Credit Union

Suitland, MD • On-site

$180 - $240/hr

Other

Re-posted 14 days ago

Job description

Job Details

Job Location: Headquarters - Suitland, MD 20746

Position Type: Full Time

The Vice President, Credit Card Portfolio is responsible for leading the growth, profitability, and strategic direction of the credit card business for a $2.69B credit union. This executive owns portfolio performance, including new account growth, activation, spend, balances, interchange income, retention, and credit quality. The role combines portfolio management, analytics, product strategy, marketing optimization, and cross-functional leadership to drive sustainable growth while maintaining alignment with the credit union's risk appetite and member-first mission.

Key Responsibilities
  • Develop and execute a credit card growth strategy designed to increase card penetration, new account acquisition, active cardholders, purchase volume, outstanding balances, and overall portfolio profitability.
  • Own portfolio performance and growth objectives, including new accounts, activation rates, card usage, outstanding balances, revolving balances, purchase volume, interchange revenue, net interest income, and return on assets.
  • Lead acquisition strategies through pre-approved, pre-qualified, cross-sell, digital, branch, and partnership channels while optimizing approval rates, activation rates, and cost of acquisition.
  • Drive activation and engagement strategies that improve first-use rates, increase active cardholders, and accelerate card usage and spend.
  • Develop initiatives to increase purchase volume, transaction frequency, wallet share, rewards engagement, and average spend per active account.
  • Lead retention and loyalty strategies designed to reduce portfolio attrition, improve active card retention, and increase customer lifetime value.
  • Manage portfolio profitability through optimization of pricing, rewards, credit line management, balance transfer programs, promotional offers, and member engagement strategies.
  • Oversee portfolio analytics across acquisition, activation, utilization, spend, revolve rate, attrition, profitability, and lifetime value to identify growth opportunities.
  • Conduct segmentation, cohort, and vintage analyses to improve card penetration, utilization, balances, and profitability.
  • Develop predictive models and forecasting methodologies to project portfolio growth, purchase volume, revolving balances, interchange revenue, profitability, attrition, and lifetime value.
  • Evaluate and optimize credit line assignment, credit limit increase programs, and utilization strategies to increase responsible balance growth while maintaining acceptable risk levels.
  • Work with Risk to monitor delinquency, charge-offs, loss rates, fraud losses, and credit quality indicators.
  • Partner with Marketing to monitor campaign effectiveness using performance metrics and ROI analysis to improve conversion, activation, spend growth, and retention outcomes.
  • Assess channel effectiveness across digital, branch, direct mail, and partnerships and adjust investment based on performance and ROI.
  • Build business cases and financial projections for new products, enhancements, partnerships, and growth initiatives.
  • Develop executive dashboards that track portfolio growth, active accounts, card penetration, balances, profitability, activation rates, retention, and credit quality.
  • Present portfolio performance, forecasts, growth opportunities, and strategic recommendations to executive leadership and the Board.
  • Lead, develop, and mentor a high-performing team focused on portfolio growth, analytics, profitability, and member engagement.
Qualifications
  • 10+ years of progressive experience in credit card portfolio management, consumer lending, payments, or retail banking.
  • Bachelor’s degree required; advanced degree preferred.
  • Demonstrated success growing a credit card portfolio within a credit union, regional bank, or similar-sized financial institution.
  • Strong experience with portfolio analytics, P&L management, forecasting, segmentation, and growth strategy.
  • Experience leading cross-functional initiatives across Marketing, Risk, Finance, Operations, and Product.
  • Executive-level communication and leadership skills.
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