Credit Risk Strategy Specialist - Commercial/Small Business Lending

Overview

This role involves developing and optimizing credit risk strategies for commercial and small business lending products, helping clients balance growth, profitability, and credit risk appetite.

The position is Remote, US, with occasional travel for important client meetings in the East Coast (NY/NJ/DE).

Responsibilities

• Design, implement, and validate credit risk strategies across the credit lifecycle, including acquisition, underwriting, account management, exposure management, and collections.
• Perform 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 monitor portfolio trends, assess 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 maintain long-term client relationships by understanding business needs and positioning credit risk solutions effectively.
• 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.

Requirements

• 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 and credit lifecycle strategies, 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.
• Proficiency in SQL and Python / SAS (Tableau is a plus).
• Solid 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.
• Proven experience managing client accounts with a track record of delivering measurable impact.
• Business development mindset, including experience in proposal writing, solutioning, or contributing to revenue growth initiatives.

Compensation & Benefits

• Salary Range: $140K/yr – $170K/yr base + annual bonus
• The posted range is the hiring range for this role and reflects base salary across a 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.
• The top of the range is reserved for candidates who notably exceed 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. Details will be shared during the process.

Location

• Remote, US
• Occasional travel for important client meetings in the East Coast (NY/NJ/DE)