Credit Strategy Manager

Responsibilities

• Own the credit risk strategy, underwriting parameters, and ongoing optimization of new acquisition channels, including affiliates (Credit Karma, NerdWallet, Doctor Of Credit), invitation-to-apply emails, paid social, display, direct mail, and instant prescreens
• Define targeting strategies and risk criteria for each channel in partnership with credit policy, risk, data science, and marketing teams, ensuring acquisition quality meets portfolio standards
• Partner with data science and credit risk to influence targeting models, evaluate credit performance by channel, and refine acquisition criteria based on early portfolio signals
• Build business cases and ROI analyses that connect application volume to credit outcomes, including approval rates, expected losses, contribution profit, LTV, CAC, and LTV-to-CAC ratios
• Monitor channel-level credit performance post-launch, identifying early warning signals and adjusting targeting or risk parameters as needed
• Partner with finance to ensure acquisition strategies remain within LTV-to-CAC thresholds and align with Imprint's operating plan and loss budgets
• Collaborate with GMs and brand partners to design channel strategies that balance partner growth goals with credit quality expectations
• Pull and analyze data independently using SQL to build data cohorts, diagnose performance, evaluate credit quality by channel, and inform strategy
• Manage stakeholder alignment across risk, credit policy, marketing, finance, and data science to ensure clarity, speed, and accountability
• Establish a test-and-learn cadence for channel experimentation, with structured readouts on both acquisition metrics and credit performance

Requirements

• 5+ years of experience in credit strategy, acquisition strategy, or risk-adjacent marketing roles, preferably in card issuers, fintech or financial services
• Strong understanding of credit card economics, including approval rates, vintage loss rates, LTV, CAC, LTV-to-CAC ratios, and contribution profit modeling
• Proven experience working cross-functionally across risk, marketing, finance, and data science to drive acquisition outcomes
• Advanced proficiency in SQL to pull and analyze data independently
• Demonstrated ability to build business cases that connect acquisition performance to credit outcomes and portfolio economics
• Familiarity with targeting models and the ability to partner with data science on model design, segmentation, and performance evaluation
• High ownership and bias for action, with a track record of launching new initiatives from concept to execution
• Strong stakeholder management and communication skills, with the ability to translate credit and financial details into clear narratives for leadership
• Test-and-learn mindset with comfort in ambiguity and iteration

Nice to Have

• Experience setting risk appetite or targeting criteria for acquisition channels at a card issuer or fintech
• Familiarity with regulatory frameworks governing credit marketing
• Familiarity with affiliate platforms, invitation-to-apply programs, instant prescreens, or direct mail targeting
• Experience working with brand partners or co-branded products
• Exposure to underwriting criteria, credit policy frameworks, or portfolio monitoring