Credit Risk Strategy Manager - Commercial & Small Business Lending

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Posted Oct 19, 2026

Remote · US Full Time

$130K – $165K/yr

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Overview

Location: Remote, US
Compensation: $130K/Yr - $165K/Yr Base + Annual Bonus

The posted range is the hiring range for this role—a subset of the broader range available to employees over time—and reflects base salary across our national hiring scale. Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position. The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range. Specifics will be shared during the process.

Role Summary

This role supports the Credit Risk Practice, working with banks, fintechs, and financial institutions to design and implement advanced risk management strategies. The position focuses on credit strategy development, portfolio management, and risk optimization across products including:

Commercial Cards
Corporate Card Programs
Small Business Cards & Loans
Commercial Payments
Commercial Lines of Credit (LOC) — Secured / Unsecured

Experience with Equipment Lending, Mortgage, and HELOC is a plus. The role requires deep analytical expertise and the ability to translate data-driven insights into effective credit risk strategies that balance growth and profitability within client risk appetite.

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Responsibilities

Design, implement, and validate credit risk strategies across the credit lifecycle, including acquisition, underwriting, account management, exposure management, and collections.
Conduct detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.
Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques.
Produce MIS reports, dashboards, and performance reviews to track portfolio trends, evaluate strategy effectiveness, and support business decisions.
Collaborate with client stakeholders and cross-functional teams (Product, Finance, Operations, Compliance, Technology) to align credit strategies with business objectives.
Monitor regulatory and governance requirements to ensure strategies adhere to compliance and audit standards.
Drive innovation by leveraging new data sources, advanced analytics, and automation to strengthen credit risk capabilities.
Provide insights and recommendations to senior leadership on portfolio performance, emerging risks, and forward-looking strategies.
Build and nurture long-term client relationships by understanding business needs and effectively positioning credit risk solutions.
Identify opportunities to expand engagements through cross-sell/up-sell of analytics, modeling, and risk consulting services.
Partner with business development teams to support proposal creation, client pitches, and delivery of value-driven outcomes.

Qualifications

Bachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Master’s preferred.
6+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services.
Strong expertise in commercial lending or small business lending products (including Commercial Cards, Corporate Card Programs, Small Business Cards & Loans, Commercial Payments, and Commercial Lines of Credit (LOC) — Secured / Unsecured) and credit lifecycle strategies.
Proficiency in SQL and Python / SAS (Tableau is a plus).
Strong background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.
Ability to synthesize complex analysis into clear recommendations for senior management.
Strong communication, presentation, and stakeholder collaboration skills.
Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.

Preferred Qualifications

Experience leveraging alternative data and innovative analytical approaches in credit strategy development.
Equipment Lending, Mortgage, and HELOC experience.
Proven experience managing client accounts with a track record of delivering measurable impact.
Business development mindset, including proposal writing, solutioning, or contributing to revenue growth initiatives.