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.
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.
Field Marketing Coordinator
Coordinate in-person events including executive dinners, conferences, meetups, and community activations to connect developers and tech leaders with PlanetScale. Requires 2+ years in event or field marketing with strong organizational and project management skills.
Staff Supplier Quality Engineer
Staff Supplier Quality Engineer leading supplier assessments, audits, and qualification for PCB/PCBA and electronics manufacturing partners. Requires deep expertise in electronics quality systems, process controls, and cross-functional collaboration to ensure high-volume production readiness.
Creative Video Producer
Own end-to-end launch video production for an AI search engine startup, translating complex technical products into engaging visual content. Requires strong creative vision, technical fluency, and proficiency in Premiere, After Effects, and Figma.
System Safety Engineer, Mining/Industrial
Systems Safety Engineer developing machine-level safety cases, hazard analyses, and safety requirements for autonomous mining and industrial vehicles. Requires 3+ years of ISO 26262 experience and hands-on safety analysis for electromechanical systems.