Credit Risk Manager

Overview

This role involves owning and evolving core credit strategies—offer strategy, portfolio management strategy, and verification strategy—using analytics, predictive models, and portfolio insights to improve approval outcomes, manage portfolio risk, and support scalable growth.

The Credit Risk Manager partners closely with the VP of Credit Risk & Analytics and reports to the VP of Credit Risk & Analytics.

Responsibilities

• Portfolio Management

  • Manage portfolio performance through segmentation, cohort analysis, and ongoing strategy refinement
  • Evaluate portfolio trends and risk concentrations and proactively adjust credit strategies
  • Balance approval growth with portfolio quality and return objectives

• Decisioning Framework Ownership

  • Build and continuously improve credit decisioning frameworks that drive approval strategy, pricing, and portfolio outcomes
  • Own and optimize offer strategy across acquisition channels, customer segments, and risk tiers
  • Develop and refine verification strategies to improve fraud detection, identity validation, and operational efficiency
  • Monitor approval funnels and conversion performance to identify growth optimization opportunities

• Model Performance & Business Impact

  • Evaluate and refine model performance using business KPIs to improve predictive accuracy and decision quality

• Cross-Functional Influence & Execution

  • Partner across teams to translate analytics into clear, actionable business decisions (including 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 understanding of credit underwriting processes, policy design, and segmentation strategies

Tools & Expertise

• Proficiency in SQL, Python, and Excel
• Solid understanding of statistical modeling and model performance evaluation techniques
• Experience working with large datasets and credit decisioning systems
• Familiarity with modern data platforms (e.g., Snowflake, Databricks) and BI tools

Compensation & Benefits

• Competitive pay
• Flexible PTO
• Full benefits package including health, dental, vision, and 401K with employer match

Location

• US Remote
• Working Eastern Time hours

Interview Process

1. Initial phone screen (30 minutes)
2. Hiring manager interview (1 hour)
3. Panel interview with COO and VP of People and Culture (1 hour)
4. Offer & background check