Credit Risk Senior Manager

The Impact You’ll Have

Credit Strategy & Policy

• Own end-to-end credit strategy initiatives — from framework design through implementation and ongoing monitoring
• Build, review, and refine consumer and commercial credit card risk and pricing strategies
• 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 credit risk and cash flow models
• Work with product to develop modern credit stacks and data strategies leveraging financial, bank, and third-party datasets — enabling underwriting automation at scale

Capital Markets & Partners

• Partner with capital markets on securitization structures, warehouse lines, and forward flow deals
• Provide analytical support to co-brand partners, including loss forecasts and profitability analysis

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

• 8+ years building credit card risk and pricing programs, ideally at a fintech — across consumer and/or commercial underwriting
• Proven ownership across the full credit card lifecycle:
• Credit policy and risk strategy development, monitoring, and adjustment
• Approval, line assignment, and pricing strategy design
• Risk assessments for prospective partners
• Acquisition strategy across card programs
• Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field

Technical Skills

• Expert in Excel and SQL modeling
• Comfortable using data to build alignment across stakeholders with competing priorities

Collaboration & Communication

• Experience working cross-functionally with product, engineering, finance, compliance, bank partners, and capital providers
• Exceptional communicator — able to translate complex credit concepts for executive, partner, and cross-functional audiences (written and verbal)