This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Senior Manager, Credit Risk in the United States.
This role is a strategic leadership opportunity to shape and scale innovative credit programs within a rapidly evolving financial ecosystem. You will lead the development of end-to-end credit risk and pricing strategies, driving performance across acquisition, underwriting, and portfolio management. Working at the intersection of finance, product, and data, you will help design modern credit frameworks that enable scalable and data-driven decision-making. The position requires both strategic vision and hands-on execution, with direct influence on business growth, profitability, and risk management. You will collaborate with cross-functional teams and external partners to build robust credit solutions while navigating a dynamic and fast-paced environment. This is a high-impact role for a leader who thrives in building from the ground up and shaping the future of embedded credit.
Accountabilities:- Lead the design, implementation, and continuous optimization of credit risk and pricing strategies across the full credit lifecycle, including acquisition, underwriting, and account management.
- Develop and refine credit policies to balance growth and risk, directly influencing key performance indicators such as approval rates, loss ratios, and profitability.
- Partner with data science teams to build and enhance credit risk models, leveraging internal and external data sources to improve underwriting accuracy and automation.
- Collaborate with capital markets and external partners to support financing structures, including securitization strategies and portfolio analytics.
- Establish governance frameworks, including documentation, model validation support, and regulatory compliance processes.
- Monitor portfolio performance, deliver regular reporting to senior stakeholders, and adjust strategies based on data insights and market conditions.
- Act as a strategic advisor to internal teams and external partners, providing expertise on credit risk, pricing, and portfolio management.
- Lead and mentor a team of credit risk analysts, fostering growth, accountability, and high performance.
Requirements:
- 8+ years of experience in credit risk management, with a strong focus on credit card or lending products within fintech or financial services environments.
- Proven expertise across the full credit lifecycle, including underwriting strategy, pricing, approval processes, and portfolio monitoring.
- Strong analytical and modeling skills, with advanced proficiency in Excel and SQL.
- Experience working with data science teams to develop and deploy risk and cash flow models.
- Solid understanding of capital markets concepts such as securitization, warehouse lines, and portfolio financing structures.
- Demonstrated ability to collaborate cross-functionally with product, engineering, finance, compliance, and external partners.
- Excellent communication skills, with the ability to present complex risk concepts to executive stakeholders and non-technical audiences.
- Experience managing and mentoring teams, with a focus on performance development and leadership.
- Ability to thrive in fast-paced, ambiguous environments and adapt strategies based on evolving business needs and market dynamics.
Benefits:
- Competitive salary aligned with location-based tiers, ranging approximately from $153,500 to $225,800 USD.
- Annual performance-based bonus and equity participation.
- Multiple health insurance options (medical, dental, vision).
- Flexible time off policy supporting work-life balance.
- Retirement savings plan with company contributions.
- Generous parental leave (up to 20 weeks) and family-forming support.
- Access to wellness programs including therapy sessions, coaching, and legal support.
- Monthly stipend to support remote work and home office setup.
- Annual professional development budget for continuous learning and growth.
- Flexible, remote-first work environment allowing you to work from where you thrive.
How Jobgether works:
We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.
We appreciate your interest and wish you the best!
Why Apply Through Jobgether?
Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.
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