Credit Risk Strategy Manager / Senior Manager

Job Summary

The Credit Risk Strategy Manager or Senior Manager will own the credit strategy for managing risk across Cardless's existing cardholder portfolio. This role involves defining credit line increases, decreases, and exposure management strategies, building measurement infrastructure, and optimizing portfolio performance.

Responsibilities

• Define the logic and thresholds for credit line increases, decreases, and exposure management
• 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
• Design and execute A/B tests to evaluate new strategies
• Partner with Data Science to define feature requirements, evaluate model performance, and translate model outputs into operational policy
• Work with engineering to build and implement new strategies such as proactive credit line increase execution and reactive credit line increase APIs
• Collaborate with Compliance and Legal to ensure portfolio management policies comply with relevant regulations
• Work with brand partners to balance company and partner goals and share out performance and results
• Collaborate with bank partners to document, present, and get approval for new policies/models

Requirements

• 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, including experience with credit line management, utilization dynamics, and loss forecasting
• Strong SQL skills and experience using analytics to build and evaluate credit strategies, track portfolio performance, and identify emerging risk patterns
• Familiarity with credit risk models (including regression and tree-based machine learning) and decision engines in a production environment
• Excellent communication skills to translate complex credit tradeoffs into clear recommendations for executives, partners, and compliance teams
• A proactive, bias-to-action mindset to ask the right questions, align stakeholders, and drive decisions forward

Qualifications

• Advanced degree in finance, economics, statistics, or a related field
• Experience with consumer credit risk management systems
• Knowledge of regulatory frameworks such as ECOA, FCRA, and Fair Lending
• Ability to work independently and in a team environment

Skills

• Strong SQL skills
• Experience with credit risk models and decision engines
• Excellent communication and interpersonal skills
• Proactive and bias-to-action mindset

Benefits

• Meaningful start-up equity
• 100% health, vision & dental primary coverage
• 75% health, vision & dental dependent coverage
• Catered lunches
• $250/month commuter benefit
• Flexible PTO with a minimum of 15 days off per year
• Apple equipment
• 401k plan