Credit Risk Manager
New
M
MarqetaEmbedded finance
Remote - USA; this role can be performed remotely in the United StatesFull-TimeManager
SalaryNational: $123,000 - $153,800; Premium: $133,100 - $166,400; Premium Plus: $144,700 - $180,900
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Job Details
- Experience
- 5+ years building credit card risk and pricing programs
- Required Skills
- Microsoft Excel
Requirements
- Bring 5+ years building credit card risk and pricing programs.
- Have hands-on manual underwriting experience on SMB and/or commercial credit card products.
- Demonstrate ownership across the SMB and commercial credit card lifecycle, including underwriting, policy development, monitoring, and adjustment.
- Have experience with credit policy and risk strategy development, line assignment, spend controls, and account management strategy.
- Be experienced in risk assessments for prospective customers and acquisition strategy across card programs.
- Hold a bachelor’s degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field.
- Be expert in Excel and SQL modeling.
- Have strong financial statement, accounts payable, and liquidity analysis skills for SMB and commercial entities.
- Have experience working cross-functionally with product, engineering, finance, compliance, bank partners, and capital providers.
- Be able to translate complex credit concepts for executive, partner, and cross-functional audiences.
Responsibilities
- Own end-to-end manual underwriting for new SMB and commercial card customers using bureau data and cash flow analysis.
- Build, review, and refine credit card risk origination strategies, including line assignment, spend controls, and account management policies.
- Adjust credit policies based on portfolio performance and risk trends.
- Partner with data scientists to build commercial credit risk and cash flow models.
- Work with product to develop credit stacks and data strategies using bureau, bank, and cash flow datasets.
- Manage credit lines, spend controls, and exposure across the SMB and commercial portfolio.
- Build portfolio tracking and early warning frameworks for utilization, payment behavior, and concentration risk.
- Draft underwriting and risk documentation and support bank partners on model validation and governance.
- Report KPIs and risk performance to senior management.
- Advise bank partners and customers on credit strategies and collaborate with Banking, Product, Finance, and Capital Markets.
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