Credit Risk Strategy Manager / Senior Manager
Owns credit strategy for managing risk in existing cardholder portfolios, including credit line decisions, exposure management, and performance optimization. Partners cross-functionally with data science, engineering, compliance, and partners using SQL, analytics, and ML models. Requires 5-10 years in credit risk or portfolio management.
About the job
What You'll Own
Portfolio Strategy & Signal Development
- Define the logic and thresholds for credit line increases, decreases, and exposure management — balancing portfolio growth, credit risk, and customer experience
- Develop the strategy and implementation for new programs such as balance transfers and ongoing spend campaigns
- Build structured feedback loops between portfolio performance and policy triggers to drive continuous refinement
- Develop processes for loss forecasting, leading edge delinquencies, and other methods to understand future portfolio performance
- Build and maintain automated dashboards to track key performance indicators (KPIs) around portfolio performance
- Design and execute A/B tests to evaluate new strategies, balancing product performance with customer and partner satisfaction
Cross-Functional Partnership
- Partner with Data Science to define feature requirements, evaluate model performance, and translate model outputs into operational policy
- Partner with engineering to build and implement new strategies such as proactive credit line increase execution and reactive credit line increase APIs
- Work with Compliance and Legal to ensure portfolio management policies comply with ECOA, FCRA, Fair Lending, and other applicable regulations
- Work together with brand partners to balance company and partner goals and share out performance and results
- Work with bank partners to document, present and get approval for new policies/models
What We're Looking For
- 5–10 years of experience in credit risk strategy, portfolio management, or underwriting at a financial institution, fintech, or payments company
- Deep expertise in consumer credit portfolio management – experience with credit line management, utilization dynamics, and loss forecasting is a plus
- Experience leveraging behavioral and bureau data to develop/optimize strategies
- Strong SQL skills and experience using analytics to build and evaluate credit strategies, track portfolio performance, and identify emerging risk patterns
- Familiarity working with credit risk models (including regression and tree-based machine learning) and decision engines in a production environment
- Excellent communication skills — you can translate complex credit tradeoffs into clear recommendations for executives, partners, and compliance teams
- Proactive, bias-to-action mindset: you ask the right questions, align stakeholders, and drive decisions forward
Compensation
Annual starting salary range of $150,000 - $210,000 + equity + benefits.
Skills
SQL, A/B Testing, Credit Risk Modeling, Machine Learning, Regression Models, Tree-Based Models, Loss Forecasting, Dashboards, Data Analytics, Behavioral Data
Similar jobs
Coalition Security
United States
Underwrites complex cyber and Technology E&O risks for large enterprise accounts, leads broker and client negotiations, and shapes portfolio strategy. Requires at least five years of underwriting experience, strong executive communication, and demonstrated mentorship of other underwriters.
Chime
Chicago, IL
Leads high-complexity financial crime investigations, vendor operations, risk trend analysis, typology development, and audit readiness. Requires 7+ years of regulated-environment experience, advanced SQL, transaction-monitoring expertise, and knowledge of AML and fraud typologies.
Akur8
New York, NY
Senior Life Actuary responsible for designing and maintaining Life, Annuity, and Health actuarial models, supporting client onboarding, demos, and technical guidance. Requires ASA/FSA-level qualification, 7+ years of relevant experience, actuarial platform expertise, and strong communication skills.
Crusoe
San Francisco, CA
Leads corporate services procurement for IT, Finance, Legal, HR, and Travel categories. Manages full procurement lifecycle, negotiates contracts, analyzes spend for cost savings, and builds sourcing team. Requires 7+ years experience and bachelor's degree.
Gusto
San Francisco, CALead AV Engineer owning multi-site audiovisual standards, infrastructure, event production, and the Zoom-to-Google Meet migration. The role requires 8+ years of AV engineering experience, deep control/audio/video expertise, and strong live-event and vendor leadership.