Manager, Credit Risk

Responsibilities

• Develop and execute credit risk strategies that optimize portfolio performance across multiple loan products.
• Partner with stakeholders across operation, product, finance, and compliance teams to design, implement, and continuously enhance credit risk strategies for assigned loan portfolios.
• Conduct granular portfolio analysis using bureau, cash flow, and internal behavior data to identify emerging credit trends, perform root-cause analysis, and isolate key performance drivers.
• Forecast the financial impact of strategy changes on critical business metrics including credit losses and receivable.
• Support leadership in preparing materials for regulatory reviews, audits, and board-level reporting.
• Ensure compliance with credit risk policies and maintain documentation standards across all risk activities.
• Partner with the Modeling & Scoring team to deploy risk strategies informed by new and updated models, improving deployment effectiveness and strategy performance monitoring.
• Develop and enhance reporting infrastructure for assigned markets, products, and channels, including application and booked datasets and performance tracking dashboards.
• Utilize relational databases and analytical tools (e.g., SQL, Python) to build datasets for strategy analysis and model monitoring.
• Clearly communicate changes to risk factors and underwriting logic to ensure alignment across functions.
• Lead independent projects and deliver ad hoc analysis to support strategic business decisions.

Qualifications

• BS or higher in a quantitative discipline (Statistics, mathematics, qualitative social science, operation management, finance, physics) or equivalent working experience.
• 5+ years of professional experience in credit risk analytics.
• Strong knowledge in Financial Services with emphasis on risk management/analytics of loan or card product.
• Advanced experience in SQL, SnowFlake, or relational databases.
• Working knowledge in Python, R, or other analytical tools preferred.
• Experience in Tableau, Sigma, Power BI, or other data visualization tools preferred.
• Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and provide data-driven insights.
• Strong business acumen with ability to translate analytical efforts to business results.
• Solid organizational skills and the ability to communicate effectively, both verbally and in writing.
• Exceptional problem-solving skills and ability to work effectively with minimal supervision.

Pay

Base Salary: $120,000 - $160,000 USD

Benefits

• Flexible Paid Time Off Program
• Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages
• Eligible to participate in 401k program, starting on the first of the month following 30 days of employment with a company match.