# Credit Risk Strategy Manager / Senior Manager

**Company:** [Cardless](https://hotfix.jobs/companies/cardless)
**Location:** San Francisco, CA
**Role:** Other
**Salary:** $150k – $210k/yr
**Experience:** 5+ years
**Skills:** SQL, A/B Testing, Credit Risk Modeling, Machine Learning, Regression Models, Tree-Based Models, Loss Forecasting, Dashboards, Data Analytics, Behavioral Data
**Posted:** 2026-04-03

> 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.

## Job Description

## 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.**

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