# Credit Strategy Manager

**Company:** [Imprint](https://hotfix.jobs/companies/imprint)
**Location:** Remote
**Role:** Finance & Accounting
**Salary:** $120k – $150k/yr
**Experience:** 5+ years
**Skills:** SQL, Credit Risk Strategy, Acquisition Strategy, Ltv Modeling, Cac Analysis, Vintage Loss Forecasting, Targeting Models, Business Case Development, Cross-Functional Collaboration, Stakeholder Management
**Posted:** 2026-06-12

> Own credit risk strategy and acquisition channel optimization for co-branded credit cards. Define targeting criteria, build ROI models, and partner with risk, data science, marketing, and finance to balance growth and portfolio quality.

## Job Description

## 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

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