Credit Risk Manager

Overview

This role supports the Credit team by owning high-impact analysis across the consumer lending lifecycle, including underwriting decisions, how approvals convert into loans, loan performance, and support for borrowers who fall behind.

Responsibilities cover turning data into decisions that influence underwriting strategy, loss mitigation and collections, and the application funnel. The position is a hands-on individual contributor role working closely with the VP of Credit Risk and partners across Product, Engineering, Finance, and Marketing.

Responsibilities

• Own analyses that shape underwriting strategy, including identifying approval and loss opportunities, sizing trade-offs, and recommending policy changes
• Diagnose drivers of credit performance (delinquency, roll rates, losses) and translate findings into clear actions
• Improve loss mitigation, collections, and recovery strategies, including designing and reading champion/challenger tests
• Analyze how the application and checkout experience impacts the originations funnel and partner with Product to improve it
• Contribute to underwriting model improvements, including data preparation, validation, and monitoring
• Build repeatable, AI-assisted workflows to improve speed and reliability of analysis
• Communicate findings to executives and to bank and capital partners with clear, concise recommendations

Requirements

• Bachelor’s degree in a quantitative field (e.g., Statistics, Economics, Math, Engineering, Finance)
• 3+ years in consumer lending credit risk or analytics at a bank or fintech (underwriting, credit strategy, or loss mitigation/collections)
• Hands-on experience across the credit strategy lifecycle: analysis, strategy design, test design, implementation validation, and post-implementation monitoring
• Strong SQL and Python; comfortable working with large loan-level and credit bureau datasets
• Enthusiasm for using AI tools to accelerate work, with judgment to verify outputs
• Critical thinker who can work autonomously, structure ambiguous problems, and drive decisions
• Clear, concise communicator with senior stakeholders
• Team player with an ownership mindset and a bias for getting things done

Preferred Qualifications

• Point-of-sale, installment, or BNPL lending experience
• Collections/recoveries strategy experience
• Model development experience (e.g., logistic regression, gradient boosting)
• Experience working with a partner bank

Compensation & Benefits

• Competitive base salary ranging from $130,000 - $170,000 + equity
• Unlimited PTO
• Covered healthcare
• Flex benefits
• 401(k) matching
• Cell plan reimbursement
• Monthly recognition opportunities
• Continuous learning resources
• Equity retention program
• Generous parental leave

Location

• Pasadena, California (in-person visit included at the Pasadena HQ either within final interview steps or during the first week of onboarding)

Hiring Process

While steps may vary slightly by role, the process may include:

• Quick chat with People Ops (HR)
• Hiring Manager interview
• Live exercise with Hiring Manager
• Team panel interview
• Executive-level interviews & reference checks
• In-person connection at Pasadena HQ

Equal Opportunity

The employer is committed to diversity in its workforce and is proud to be an equal opportunity employer. Qualified applicants are considered without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.