Credit Risk Strategy Manager / Senior Manager

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.