Manager, Credit Risk

Overview

This role is part of the Risk Department and supports the development and deployment of credit risk strategies for consumer lending portfolios. You will work with a dynamic, learning-oriented risk team and partner with stakeholders across operations, product, finance, compliance, and modeling/scoring to manage portfolio growth and performance.

An evergreen talent pipeline is also in place: qualified candidates may be considered for current and future opportunities as positions become available.

Responsibilities

• Design, implement, and continuously enhance credit risk strategies for assigned loan portfolios to reduce defaults, grow receivables, and improve revenue performance
• Conduct granular portfolio analysis using bureau, cash flow, and internal behavior data to identify emerging credit trends, perform root-cause analysis, and isolate key performance drivers
• Forecast the financial impact of strategy changes on critical business metrics, including credit losses and receivables
• Support leadership in preparing materials for regulatory reviews, audits, and board-level reporting
• Ensure compliance with credit risk policies and maintain documentation standards across risk activities
• Partner with the Modeling & Scoring team to deploy risk strategies informed by new and updated models, improving deployment effectiveness and strategy performance monitoring
• Develop and enhance reporting infrastructure for assigned markets, products, and channels, including application and booked datasets and performance tracking dashboards
• Utilize relational databases and analytical tools (e.g., SQL, Python) to build datasets for strategy analysis and model monitoring
• Clearly communicate changes to risk factors and underwriting logic to ensure alignment across functions
• Lead independent projects and deliver ad hoc analysis to support strategic business decisions
• May directly supervise one or more associates

Requirements

• BS or higher in a quantitative discipline (Statistics, mathematics, qualitative social science, operation management, finance, physics) or equivalent working experience
• 5+ years of professional experience in credit risk analytics, with strong knowledge in Financial Services and risk management/analytics for loan or card products
• Advanced experience in SQL, SnowFlake, or relational databases
• Working knowledge in Python, R, or other analytical tools preferred
• Experience in Tableau, Sigma, Power BI, or other data visualization tools preferred
• Solid analytical skills and the ability to use data to target improvements, solve problems, and provide data-driven insights
• Strong business acumen, translating analytical efforts into business results
• Strong organization skills and effective communication skills (verbal and written)
• Exceptional problem-solving skills and ability to work effectively with minimal and/or in a team environment

Compensation & Benefits

• Base salary: $120,000 - $160,000 USD
• Full-time benefits start on day one:
  • Flexible Paid Time Off Program
  • Medical, Dental, Vision
  • Life Insurance, Disability, and other voluntary coverages
  • 401k program (starting on the first of the month following 30 days of employment) with company match

Location

United States and Canada (credit solutions provided across the U.S. and Canada).

Additional Information

• This employer participates in E-Verify for US-based hires.
• EEO statement: equal employment opportunity commitment and reasonable accommodation for qualified employees with protected disabilities, as required by applicable law.
• Notice to applicants: the employer will never ask for personal banking information, transfer of funds, a credit card, or for you to purchase equipment to process a job application or for training.