Credit Risk Manager

Overview

The organization is seeking a Credit Risk Manager (US Remote) to serve as a key operator within its credit organization, using analytics, predictive models, and portfolio insights to improve approval outcomes and credit performance.

This role owns and evolves core credit strategies, including offer strategy, portfolio management strategy, and verification strategy. The Credit Risk Manager partners closely with the VP of Credit Risk & Analytics to optimize business growth while managing portfolio risk. This position does not require a pure data scientist, but it does require someone who can leverage data science capabilities to drive credit and business outcomes.

Responsibilities

• Drive approval strategy, segmentation, and portfolio optimization using decisioning frameworks and analytics
• Improve model accuracy and business impact through ongoing model performance evaluation and optimization
• Own and continuously improve credit decisioning frameworks to support approval strategy, pricing, and portfolio outcomes
• Optimize offer strategy across acquisition channels, customer segments, and risk tiers
• Manage portfolio performance through segmentation, cohort analysis, and strategy refinement
• Evaluate portfolio trends and risk concentrations to proactively adjust credit strategies
• Develop and refine verification strategies to improve fraud detection, identity validation, and operational efficiency
• Monitor approval funnels and conversion performance to identify opportunities for growth optimization
• Identify, integrate, and evaluate high-value data sources (including through vendor evaluation)
• Partner cross-functionally to translate analytics into actionable business decisions for underwriting, finance, and product

Requirements

• Bachelor’s degree in mathematics, statistics, economics, finance, or a related field required; advanced degree preferred
• 5–8 years of experience in credit risk analytics, preferably in small business lending
• Proven success building or enhancing modern credit decisioning frameworks
• Demonstrated impact driving business outcomes through analytics and modeling

Preferred Qualifications

• Strong analytical thinking with ability to solve complex credit risk problems using data
• Experience working with large datasets and credit decisioning systems
• Strong communication skills, translating technical findings into business recommendations
• High organization and attention to detail with an ownership mindset
• Curiosity and continuous improvement mindset for systems, models, and outcomes
• Ability to collaborate effectively in a global, distributed team environment

Skills & Tools

• Strong proficiency in SQL, Python, and Excel
• Solid understanding of statistical modeling and model performance evaluation techniques
• Familiarity with modern data platforms (e.g., Snowflake, Databricks) and BI tools
• Strong understanding of credit underwriting processes, policy design, and segmentation strategies

Compensation & Benefits

• Competitive pay
• Flexible PTO
• Fully remote within the U.S., working Eastern Time hours
• Full benefits package: health, dental, vision, and 401K with employer match

Location

• US Remote (working Eastern Time hours)

Interview Process

• Step 1: Initial Phone Screen (30 minutes)
• Step 2: Hiring Manager Interview (1 hour)
• Step 3: Panel Interview with COO and VP of People and Culture (1 hour)
• Step 4: Offer & Background Check