Credit Strategy Manager I

Credit Strategy Manager I

Key Responsibilities

• Execute and refine underwriting, line assignment, risk-based pricing, and offer strategies
• Translate pricing and credit strategy into decisioning logic, segmentation frameworks, pricing tiers, and operational rules
• Partner with Finance, Product, Marketing, Compliance, Fair Lending, Operations, and other cross-functional stakeholders to ensure pricing and credit strategies are accurately implemented

Performance Analysis & Optimization

• Design and evaluate champion/challenger tests related to APRs, fees, promotional offers, loan terms, line assignments, and offer structures
• Absorb customer price sensitivity and conversion elasticity across segments, risk bands, products, and acquisition channels
• Prepare regular reporting on credit performance and strategy effectiveness
• Identify performance drivers and recommend targeted pricing, yield, and credit strategy enhancements

Scope & Autonomy

• Own defined components of credit, pricing, or channel strategy end-to-end, from analysis through implementation and performance monitoring
• Work independently on complex pricing, profitability, and credit analyses while influencing cross-functional partners to execute strategy effectively
• Recommend and drive scoped strategy adjustments within established risk appetite, policy, and profitability frameworks

Required Qualifications

• Bachelor's degree in quantitative field, finance, economics, business, or equivalent experience
• 4-6 years in credit risk, pricing strategy, underwriting, analytics, yield management, or credit strategy
• Experience analyzing approval, conversion, yield, margin, loss, profitability, or customer response metrics
• Proficiency in SQL, Python, SAS, R, or similar tools
• Strong analytical, communication, and problem-solving skills
• Understanding of credit risk, risk-based pricing, expected loss, and lending economics

Qualifications

• Bachelor's degree in quantitative field, finance, economics, business, or equivalent experience
• 4-6 years in credit risk, pricing strategy, underwriting, analytics, yield management, or credit strategy
• Experience analyzing approval, conversion, yield, margin, loss, profitability, or customer response metrics
• Proficiency in SQL, Python, SAS, R, or similar tools
• Strong analytical, communication, and problem-solving skills
• Understanding of credit risk, risk-based pricing, expected loss, and lending economics

Pay

$115,000 - $140,000 a year

Employee Benefits

• Pre-tax and post-tax retirement savings plans with a competitive company matching program
• Generous paid time-off plans including vacation, personal/sick time, paid short-- term and long-term disability leaves, paid parental leave, and paid company holidays
• Multiple health care plans to choose from, including dental and vision options
• Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts
• Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs
• Discounted benefits including identity theft protection, pet insurance, fitness center reimbursements, and many more!