(USA) Senior Manager, Advanced Analytics - Credit Strategy & Analytics

Leads the development and execution of credit strategies, decisioning frameworks, and analytics that enable the sustainable growth of Marketplace Seller Services while minimizing credit losses. Partners closely with Product, Data Science, Seller Services, Billing, Finance, and Engineering to develop scalable controls, influence strategic priorities, and operationalize risk mitigation capabilities.

About the team

The Marketplace Payments & Financial Services team enhances the Marketplace ecosystem by enabling reliable seller payouts, driving monetization, and expanding financial products while managing financial and compliance risks. The Credit Risk team supports sustainable growth by developing strategies, controls, and decision frameworks to identify and mitigate credit risk. Collaborating closely with Product, Seller Services, Data Science, Billing, Legal, and Operations, the team balances seller experience with responsible risk management. Operating in a fast-paced environment, it leverages data, analytics, and scalable decisioning to minimize credit losses, strengthen controls, and support innovative financial offerings and long-term business growth.

Responsibilities

• Develop and execute credit risk strategies, decisioning frameworks, and policies that enable the sustainable growth of Marketplace Seller Services while minimizing credit losses.
• Partner cross-functionally with Product, Data Science, Seller Services, Finance, Billing, and Engineering to design, implement, and optimize scalable credit risk controls.
• Lead complex, end-to-end initiatives to develop credit limits, prepay strategies, reserves, service-level controls, and early warning capabilities.
• Leverage internal data, predictive models, and external risk signals to assess emerging risks, improve decision quality, and drive data-informed recommendations.
• Monitor portfolio performance, evaluate strategy effectiveness, and continuously refine credit risk decisioning to balance seller growth with responsible risk management.

Requirements

• Experience developing and implementing credit risk, financial loss, or data-driven business strategies that balance growth with effective risk management.
• Proven ability to translate complex business challenges into scalable strategies, policies, and decisioning frameworks using analytical insights.
• Strong analytical and problem-solving skills with experience leveraging predictive models, internal data, and external risk signals to drive decisions.
• Demonstrated success leading complex cross-functional initiatives and influencing Product, Engineering, Data Science, Finance, and business partners.
• Excellent communication and executive presence, with ability to present recommendations, influence stakeholders, and build alignment across teams.
• Ownership mindset with a passion for innovation, continuous improvement, and building scalable capabilities in a fast-paced environment.

Qualifications

• Bachelor's degree in Business, Finance, Accounting, Statistics, or related field and 4 years' experience in data analytics or related field OR 6 years' experience in data analytics or related field.
• Preferred: Certificate in business analytics, data mining, or statistical analysis.
• Preferred: Experience with statistical programming languages (e.g., SAS, R).
• Preferred: Master's degree in Business Administration, Information Systems, or Statistics.

Benefits

• Competitive pay with performance-based bonus awards.
• Health benefits including medical, vision, and dental coverage.
• Financial benefits including 401(k), stock purchase, and company-paid life insurance.
• Paid time off including PTO (including sick leave), parental leave, family care leave, bereavement, jury duty, and voting.
• Short-term and long-term disability coverage.
• Company discounts.
• Military Leave Pay.
• Adoption and surrogacy expense reimbursement.
• Live Better U education benefit program covering tuition, books, and fees for high school completion, bachelor's degrees, English Language Learning, and short-form certificates.

Pay

Annual salary ranges:

• Bentonville, Arkansas: $90,000.00 - $180,000.00
• Sunnyvale, California: $117,000.00 - $234,000.00

Additional compensation includes annual or quarterly performance bonuses and stock for certain positions.