Engagement Manager - Credit Risk & Analytics

Work Location: Remote, US (EST Hours)

Pay

Salary Range: $140K/Yr - $170K/Yr Base + Annual Bonus

The posted range is the hiring range for this role — a subset of the broader range available to employees over time — and reflects base salary across our national hiring scale. Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position. The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process.

Responsibilities

• Drive portfolio performance, risk appetite, and policy direction (Credit Strategy & Portfolio Ownership)
• Balance competitiveness and profitability across segments (Pricing Strategy & Optimization)
• Align credit strategy with Finance, Product, Sales, and Underwriting (Cross-Functional Leadership)
• Ensure analytics and data teams deliver business impact (Decision Accountability & Performance Oversight)

Key areas of measurement include:

• Portfolio Performance Ownership - Own IRR, cohort performance, roll rates, and funnel conversion metrics, ensuring alignment with company growth and profitability goals
• Credit & Pricing Strategy Leadership - Define and evolve credit policy, underwriting strategy, and pricing frameworks that optimize risk-adjusted returns
• Executive Influence & Cross-Functional Alignment - Partner across Finance, Product, Sales, and Operations to ensure consistent execution of credit strategy and influence business outcomes

Requirements

• Strong decision-making capability and full ownership of outcomes
• Ability to balance risk and growth, making thoughtful trade-offs that drive business performance
• Highly analytical with comfort challenging data and assumptions to reach better decisions
• Effective communication at an executive level and influence across diverse stakeholders
• Thrive in ambiguity and operate in a fast-paced, evolving environment
• Lead collaboratively while maintaining accountability and clear conviction
• Demonstrate curiosity, adaptability, and a growth mindset
• Comfortable working across global, distributed teams

Qualifications

• Bachelor’s degree in finance, economics, mathematics, or a related field required; advanced degree preferred
• 10+ years of progressive experience in credit risk with direct ownership of portfolio performance
• 3+ years in a director-level or higher leadership role managing teams
• Strong experience in small business lending, alternative finance, Merchant Cash Advances, or non-prime environments preferred
• Proven track record of making credit and pricing decisions with measurable business impact
• Experience operating at an executive level with strong cross-functional influence

Skills

• Deep expertise in portfolio management, pricing strategy, and unit economics
• Strong understanding of underwriting processes, credit policy design, and segmentation strategies
• Ability to interpret and challenge analytics outputs without direct model development ownership
• Advanced proficiency in Excel; working knowledge of SQL and BI tools for data interpretation
• Familiarity with credit decisioning systems, data vendors, and fraud tools
• Experience leveraging data to inform strategy, stress testing, and scenario planning