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

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
Expert in Excel and SQL modeling
Comfortable using data to build alignment across stakeholders with competing priorities
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)
Comfortable in a build environment — moves fluidly between strategy and execution without a large supporting team
Thrives in fast-paced, dynamic settings with shifting priorities
Demonstrated ability to adapt credit strategies in response to portfolio performance changes or macroeconomic conditions

Multiple health insurance options
Flexible time off – take what you need
Retirement savings program with company contribution and after tax contributions
Equity in a publicly-traded company and an Employee Stock Purchase Program
Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave
Free therapy sessions, financial and professional coaching, and legal advice
Monthly stipend to support our remote work model
Annual “development dollars” to support our people growth and development
Through Flex First, the freedom to live and work wherever you and your family thrive

Senior Credit Risk Manager

Key skills