Manager, Credit Strategy Execution & Analytics

About Yendo Hi there, we're Yendo, and our vision is to empower everyday people to build a stronger financial future. In less than 2 years, we’ve saved customers over $100 million in unnecessary interest and fees. We are using AI to unlock the $1.1 Trillion in vehicle equity trapped within cars owned by Americans in the form of a high limit, standard rate credit card for those traditionally excluded from mainstream financial offerings. Yendo Credit Cards have similar APRs to those issued for prime borrowers with no hidden fees or overdraft charges and help build their customers' credit score. Yendo's credit limits are 4x higher than cards typically available for non-prime borrowers. Role Overview As a member of the Credit team, you will play a central role in implementing credit strategy into results: (1) implementing and validating credit strategy across approval/decline, line assignment, pricing, and account management; (2) conducting credit strategy simulations and evaluating the impact of strategy changes; and (3) monitoring and reporting on origination and portfolio performance to support optimization in credit strategy. This role calls for candidates who are highly detail oriented, and who communicate well. You will collaborate closely with Engineering, Data, Product, Marketing, and external data and platform vendors, and you will need to influence and negotiate with these partners to secure implementation support and prioritization in a fast-paced environment. Responsibilities Own the end-to-end implementation of credit strategy (approval/decline, line assignment, pricing, and account management), from business requirements through production launchPerform comprehensive pre-, post- and ongoing implementation validationConduct strategy simulations on historical application data to evaluate and size expected impact of proposed credit strategy changes on approval rates, origination volume, credit lines, losses, and profitabilityBuild and maintain origination and performance monitoring, including dashboards and monthly reporting on application, approval, credit line, delinquency, loss and revenue metricsIdentify emerging trends and recommend corrective actions and deliver clear, timely origination and performance insights to Credit leadership and cross-functional partners Qualifications Successful candidates combine hands-on credit strategy implementation experience with strong analytical skills in strategy sizing and performance monitoring. You should have a meticulous eye for detail, a proven track record of delivering complex changes in engaging cross-functional partners, and the ability to lead and prioritize in a fast-paced and dynamic environment. Bachelor’s degree in a quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering). Master’s degree is a plus3+ years of experience in credit risk, credit strategy, or portfolio management, preferably within credit cards or consumer lendingProven hands-on experience with credit policy implementation, including requirements definition, implementation validation, and production launch. Experience with Oscilar or a similar credit decisioning platform is a plusExperience building origination and performance monitoring and reporting, such as dashboards and recurring KPI reporting. Metabase experience is a plusAdvanced SQL skills, with Snowflake experience strongly preferred. Python experience is a plusExceptionally detail oriented, with a strong commitment to accuracy and quality control and excellent written and verbal communication skills Why join us 🤝 You can make a real impact to the lives of our customers. 💳 100 million Americans lack access to sustainable credit and are forced to use predatory loans. Think 500%+ APR alternative financing options such as Auto Title, Payday, Pawn, and Personal Loans. Each year almost 25% of adults are excluded from the mainstream credit system, severely inhibiting their chances of accessing affordable borrowing, getting a mortgage, or even an auto loan. 👨‍💼 Our executive team has multiple exits under their belts, having founded $100M+ revenue companies. Additionally, many executives have held leadership roles at public company and unicorn startups alike. 🧠 We are backed by leading VCs, accomplished entrepreneurs, respected philanthropists, and founders from across the U.S. Our backers are the minds and investors behind the success of the Apple Card, Brex, Dave, Scribd, Parse, Canva, Robinhood, Flexport, Gusto, Reddit, Notion, LinkedIn, among others. Yendo is based in Dallas, Texas with a nationwide team. This is a hybrid position based in our office in Philadelphia, Pennsylvania. 💰 Competitive Compensation 📈 Equity 🍎 Insurance 📊 401K 🏝 Unlimited PTO Our core values Our customers are our compass - We prioritize our customers' needs in every decision, guiding our work to solve real problems and create meaningful solutions. We make a positive impact by enhancing their experiences and addressing what truly matters to them.Trust is earned, not assumed - We communicate openly, honestly, and with humility, earning trust through integrity and clarity in all interactions. By prioritizing straightforward communication and actions, we build strong relationships and ensure our intentions are always understood.Diverse perspectives, stronger outcomes - We serve diverse customers and believe that different perspectives make us stronger. Committed to equity, we value each team member, ensuring all voices are heard and respected. By fostering an inclusive culture, we empower fair and meaningful contributions to drive our success.Embrace Growth Together - We are drivers, we move with urgency, and we strive for excellence in everything we do. Our customers deserve the best, so we hold ourselves accountable to high standards. Through proactive ownership, thoughtful execution, and a commitment to bettering ourselves and our work every day, we deliver results that make a lasting impact.Own every outcome - Rooted in expertise and creativity, innovation is at our core. We challenge norms, push past limitations, and seek to redefine boundaries. Yesterday’s plan may be outdated given today’s information and by questioning assumptions and challenging one another, we stay agile and open-minded, turning every situation into an opportunity to delight our customers.Courage to challenge - Low ego, coaching, and mutual respect are the foundation of our teamwork. We empower each other and solve problems collaboratively without blame, creating a space for everyone to thrive and contribute to our collective success.