Credit Risk Senior Manager

New

MarqetaEmbedded finance

This role can be performed remotely in the United States, only in one of our Premium or National locationsFull-TimeManager

SalaryThe new-hire base salary range for this position is: Premium+: $180,600- $225,800; Premium: $166,200 - $207,700; National: $153,500 - $191,900

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Job Details

Have 8+ years of experience building credit card risk and pricing programs, ideally at a fintech, across consumer and/or commercial underwriting.
Demonstrate ownership across the full credit card lifecycle, including credit policy, risk strategy development, monitoring, and adjustment.
Have experience designing approval, line assignment, and pricing strategies.
Have experience conducting risk assessments for prospective partners and developing acquisition strategies across card programs.
Hold a bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field.
Be an expert in Excel and SQL modeling.
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, in writing and verbally.
Be comfortable moving between strategy and execution in a build environment with shifting priorities.

Own credit strategy initiatives from framework design through implementation and ongoing monitoring.
Build, review, and refine consumer and commercial credit card risk and pricing strategies.
Adjust credit card policies based on portfolio performance and risk trends.
Partner with data scientists to build credit risk and cash flow models.
Work with product to develop credit stacks and data strategies using financial, bank, and third-party datasets.
Partner with capital markets on securitization structures, warehouse lines, and forward flow deals.
Provide co-brand partners with loss forecasts and profitability analysis.
Draft underwriting and risk documentation, support bank partners on model validation and governance, and report KPIs to senior management.
Advise bank partners and customers on credit strategy improvements and collaborate across Banking, Product, Finance, and Capital Markets.

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