Risk Manager

Responsibilities

• Own credit and fraud risk strategy end-to-end.
• Use credit performance, transaction, application, cash-flow, financial, and credit-bureau data to shape underwriting, line increase/decrease, account suspension, and other account policies.
• Conduct credit reviews, line increase/decrease decisions, and high-risk enablement reviews, then use findings to improve the system.
• Configure underwriting logic, case-management and monitoring workflows, and vendor integrations for fraud, identity, and document verification.
• Identify manual risk operations suitable for automation and design and implement the automation.
• Lead fraud investigations involving account takeover, identity theft, and first-party fraud.
• Conduct root-cause analyses and deploy data-driven detection rules and defenses.
• Build and maintain dashboards, monitoring alerts, and underlying risk data models in partnership with Data Engineering.
• Partner with Product, Sales, Operations, Compliance, Legal, and Finance on credit and fraud initiatives.
• Support Risk Operations by reviewing credit line changes, payment extensions, grace periods, high-risk categories, transaction monitoring, and other judgment-based decisions.
• Track delinquency and charge-off by cohort and monitor 30+ DPD trends.
• Own the risk technology stack, including Alloy, Oscilar, Inscribe, Persona, Sentilink, Truebiz, and SBFE, while managing vendor performance and cost.

Requirements

• 4–8 years of experience in credit risk, fraud risk, or risk strategy, ideally in SME lending.
• AI-native mindset and experience using AI tools to build workflows, analyze data, and work efficiently.
• Ability to operate as a risk generalist across policy, investigations, and technical implementation.
• Strong SQL skills and ability to independently analyze transaction, cash-flow, credit, fraud, and application data.
• Hands-on experience configuring or building decisioning systems, risk workflow tools, or rules engines, or the technical ability to learn them quickly.
• Collaborative approach and experience working cross-functionally and with external partners and vendors.
• Excellent written and verbal communication skills, including the ability to turn ambiguous risk questions into clear recommendations.
• Practical, business-minded approach suited to an early-stage venture-backed startup.
• New York City based and able to work in the office 3–4 days per week.

Nice-to-haves

• Experience with B2B fintech or commercial card products.
• Experience underwriting small and medium-sized businesses.
• Experience with risk decisioning or orchestration platforms such as Alloy or Oscilar, plus fraud and identity vendors.
• Python skills or familiarity with Redshift, dbt, Hex, or Sigma.

Compensation and Benefits

• Salary range: $110,000–$160,000 annually.
• Meaningful equity grant.
• Medical, dental, and vision insurance.
• Flexible paid time off, personal well-being time, and paid holidays.
• Financial wellness resources, equity tax advisory access, and company-sponsored 401(k).
• Paid parental leave.
• $400 accessories allowance.
• Education stipend.
• Free lunch every Friday.