Senior Manager, Credit Risk
USFull-TimeManager
Salary153,500 - 225,800 USD per year
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Job Details
- Experience
- 8+ years of experience
- Required Skills
- SQLData scienceCommunication SkillsAnalytical SkillsMicrosoft ExcelMentoringCross-functional collaborationTeam management
Requirements
- 8+ years of experience in credit risk management, with a strong focus on credit card or lending products within fintech or financial services environments.
- Proven expertise across the full credit lifecycle, including underwriting strategy, pricing, approval processes, and portfolio monitoring.
- Strong analytical and modeling skills, with advanced proficiency in Excel and SQL.
- Experience working with data science teams to develop and deploy risk and cash flow models.
- Solid understanding of capital markets concepts such as securitization, warehouse lines, and portfolio financing structures.
- Demonstrated ability to collaborate cross-functionally with product, engineering, finance, compliance, and external partners.
- Excellent communication skills, with the ability to present complex risk concepts to executive stakeholders and non-technical audiences.
- Experience managing and mentoring teams, with a focus on performance development and leadership.
- Ability to thrive in fast-paced, ambiguous environments and adapt strategies based on evolving business needs and market dynamics.
Responsibilities
- Lead the design, implementation, and continuous optimization of credit risk and pricing strategies across the full credit lifecycle, including acquisition, underwriting, and account management.
- Develop and refine credit policies to balance growth and risk, directly influencing key performance indicators such as approval rates, loss ratios, and profitability.
- Partner with data science teams to build and enhance credit risk models, leveraging internal and external data sources to improve underwriting accuracy and automation.
- Collaborate with capital markets and external partners to support financing structures, including securitization strategies and portfolio analytics.
- Establish governance frameworks, including documentation, model validation support, and regulatory compliance processes.
- Monitor portfolio performance, deliver regular reporting to senior stakeholders, and adjust strategies based on data insights and market conditions.
- Act as a strategic advisor to internal teams and external partners, providing expertise on credit risk, pricing, and portfolio management.
- Lead and mentor a team of credit risk analysts, fostering growth, accountability, and high performance.
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