Business Manager, Credit Line Increase Program

Overview

This role involves owning outcomes for one of the organization’s credit programs, reporting to the Director, Portfolio Management. The Portfolio Management team is responsible for underwriting throughout the lifetime of existing accounts, understanding customer lifetime value (LTV), and creating pathways to customer success and graduation—while maintaining program mission alignment. This includes the Credit Line Increase Program (CLIP).

Responsibilities

• Use AI-driven tools to speed up and sharpen analytical work
• Adjust program approaches as customer behavior and market conditions change
• Turn financial data into clear recommendations that grow the business while managing risk responsibly
• Run small market tests, then use results to decide where to invest next
• Guide and mentor analysts working on the program
• Develop actionable, data-driven strategies, including modeling expected financial impacts to improve underwriting & pricing strategies while ensuring customer success
• Design and enhance the customer lifetime value (LTV) model to drive business growth
• Present and communicate clear recommendations to senior leadership
• Advance a testing agenda to generate insights into consumer behavior and support future growth
• Collaborate with cross-functional partners across product, data science, and engineering to bring strategies to market

Requirements

• 4+ years of experience in a highly analytical role
• Bachelor’s or master’s degree in economics, finance, engineering, mathematics, or a similarly quantitative field, with a strong academic record
• Proven track record leading complex, cross-functional analytical projects from start to finish
• Experience guiding or mentoring other analysts
• Comfort working in SQL, Python, or similar tools for data analysis
• Ability to travel ~4+ times per year for high-quality in-person collaboration

Preferred Qualifications

• Experience working with credit cards or other consumer lending products
• Experience helping scale a business in a fast-moving startup environment
• Strong SQL or Python skills
• Experience using AI coding assistants (Claude Code, Codex, Gemini CLI, Cursor, etc.)

Compensation & Benefits

• Annual full-time starting base salary range: $140,000–$160,000
• Additional compensation eligibility through participation in annual incentive and equity programs
• Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role
• Comprehensive benefits plan, including:
  • Paid time off
  • 401(k) match
  • Monthly wellness stipend
  • Health/dental/vision insurance options
  • Disability coverage
  • Paid parental leave
  • Flexible spending account (for childcare and healthcare)
  • Life insurance
  • Remote-first work environment

Location

Headquartered in Richmond, Virginia (remote-first work environment).