Credit Risk Manager

The Impact You’ll Have

Credit Strategy & Policy

• Own end-to-end manual underwriting for new SMB and commercial card customers, using both bureau data and cash flow analysis to make credit decisions
• Build, review, and refine SMB and commercial credit card risk origination strategies, including line assignment, spend controls, and account management policies
• Proactively adjust credit card policies based on portfolio performance and risk trends
• Establish strategies that directly drive KPIs: approval rates, new accounts, loss rates, profit margin, and more

Modeling & Data

• Partner with data scientists to build best-in-class commercial credit risk and cash flow models
• Work with product to develop modern credit stacks and data strategies leveraging bureau, bank, and cash flow datasets, including financial statements, accounts payable, liquidity information, etc.

Account Management & Portfolio Monitoring

• Manage credit lines, spend controls, and exposure across the SMB and commercial portfolio, taking proactive risk-based action on accounts as performance evolves
• Build the tracking and early warning framework for the portfolio, including utilization, payment behavior, and concentration risk

Governance & Reporting

• Draft underwriting and risk documentation
• Support bank partners on model validation and governance
• Report KPIs and risk performance to senior management regularly

Advisory & Cross-Functional Leadership

• Serve as a risk consultant to bank partners and customers — recommending improvements to credit strategies
• Collaborate across Banking, Product, Finance, and Capital Markets as an internal strategic resource and external-facing advisor

Who you are

Experience & Background

• 5+ years building credit card risk and pricing programs, ideally at a fintech, with hands-on manual underwriting experience on SMB and/or commercial credit card products
• Proven ownership across the SMB and commercial credit card lifecycle:
  • Manual underwriting using both bureau data and cash flow analysis, including financial statement analysis
  • Credit policy and risk strategy development, monitoring, and adjustment
  • Line assignment, spend controls, and account management strategy
  • Risk assessments for prospective customers
  • Acquisition strategy across card programs
• Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field