Senior Manager, Credit
New
E
EngineFintech credit
Location: Remote - USFull-TimeManager
SalaryBase Pay Range $151,300 — $178,000 USD
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Job Details
- Experience
- 8+ years of credit underwriting or credit risk experience; 3+ years of experience leading a credit team
- Required Skills
- SQLSnowflake
Requirements
- Have 8+ years of credit underwriting or credit risk experience.
- Have 3+ years of experience leading a credit team.
- Have a proven track record of designing operating models.
- Bring deep experience in business or commercial underwriting, including setting credit limits, interpreting financial signals, and making independent credit decisions.
- Have hands-on experience with commercial credit bureaus such as D&B or equivalent.
- Have end-to-end ownership experience of KYB (Know Your Business) processes.
- Track human-in-the-loop decision metrics and work systematically to increase automation rates.
- Demonstrate capability in tracking delinquency, cohort performance, and limit utilization.
- Have a background in a fast-paced fintech, corporate card, or SMB credit environment.
- Bonus: Experience contributing to automated credit decisioning engines.
- Bonus: Proficiency in SQL or Snowflake for self-serve data analysis.
Responsibilities
- Hold the credit team accountable to underwriting standards and consistent decision quality.
- Write and own the credit underwriting standard, including limit signals, exception treatment, and escalation paths.
- Build backtest infrastructure and analyze proposed rule changes against historical application data, including false positives on approved accounts.
- Partner with Data Science on credit model inputs, validation, and the transition to automated decisioning.
- Lead and develop the credit team by setting expectations, providing feedback, and building analytical capability.
- Deliver portfolio analytics to leadership, including delinquency rates, cohort performance, limit utilization, and exception trends.
- Coordinate with Fraud Operations on application fraud signals that overlap with underwriting decisions.
- Partner with senior leadership on credit policy governance and review and sign-off processes.
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