We are a thriving fintech company delivering innovative banking products to deliver a low-cost and scalable way to access capital. As we continue to expand our platform and add additional products, we are looking for an experienced Senior Manager, Credit Risk Strategy, to own the credit strategy for managing risk across our current growing consumer credit portfolio. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines how we extend additional credit, manage exposure, and optimize portfolio performance — and ensuring the tools, data, and processes behind those decisions are best-in-class.
Reporting to the Chief Risk Officer (CRO), you'll work at the intersection of data, tooling, and operations to optimize customer-level credit decisions as the company scales. You'll own the strategy for actions such as credit line increases and decreases, balance transfer offers, and other portfolio management levers, while building the measurement infrastructure needed to continuously improve performance for a rapidly growing portfolio.
Responsibilities:
Portfolio Strategy & Signal Development
- Define the logic and thresholds for credit line increases, decreases, and exposure management — balancing portfolio growth, credit risk, and customer experience
- Develop the strategy and implementation for new programs such as balance transfers and ongoing spend campaigns
- Build structured feedback loops between portfolio performance and policy triggers to drive continuous refinement
- Develop processes for loss forecasting, leading edge delinquencies, and other methods to understand future portfolio performance
- Build and maintain automated dashboards to track key performance indicators (KPIs) around portfolio performance
- Design and execute A/B tests to evaluate new strategies, balancing product performance with customer and partner satisfaction
Cross-Functional Partnership
- Partner with Data Science to define feature requirements, evaluate model performance, and translate model outputs into operational policy
- Partner with engineering to build and implement new strategies such as proactive credit line increase execution and reactive credit line increase APIs
- Work with Compliance and Legal to ensure portfolio management policies comply with ECOA, FCRA, Fair Lending, and other applicable regulations
- Work together with brand partners to balance company and partner goals and share out performance and results
- Work with bank partners to document, present and get approval for new policies/models
Requirements:
- 5–10 years of experience in credit risk strategy, portfolio management, or underwriting at a financial institution, fintech, or payments company.
- Deep expertise in consumer credit portfolio management – experience with credit line management, utilization dynamics, and loss forecasting is a plus
- Experience leveraging behavioral and bureau data to develop/optimize strategies
- Strong SQL skills and experience using analytics to build and evaluate credit strategies, track portfolio performance, and identify emerging risk patterns.
- Familiarity working with credit risk models (including regression and tree-based machine learning) and decision engines in a production environment.
- Excellent communication skills — you can translate complex credit tradeoffs into clear recommendations for executives, partners, and compliance teams
- Proactive, bias-to-action mindset: you ask the right questions, align stakeholders, and drive decisions forward.
What We Offer:
- Opportunity to work with cutting-edge technology and innovative products
- Competitive compensation
- Parental leave
- Commuter benefits
- Catered lunches
- Generous health, dental, vision, 401k, meaningful equity, flexible PTO and company paid holidays
- A collaborative and supportive team environment
* No agencies please
**At this time, we will not sponsor a new applicant for employment authorization or offer any immigration related support for this position (i.e. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN or other types of work authorization)
