Senior Director, Credit Risk
New
M
MarqetaCredit risk
This role can be performed remotely anywhere within the United States or from our headquarters in Oakland, CA.Full-TimeDirector
SalaryNational: $194,100 - 242,600; Premium: $210,100 - $262,600; Premium Plus: $228,300 - $285,400
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Job Details
- Experience
- 12-15+ years of experience in credit underwriting at major banks
- Required Skills
- PythonSQLData scienceMicrosoft ExcelR
Requirements
- Have 12-15+ years of credit underwriting experience at major banks.
- Hold a bachelor's degree or equivalent in Finance, Business, Accounting, Economics, Statistics, Math, or a similar field.
- Bring an advanced statistical background; a PhD in Statistics, Mathematics, or a quantitative field is strongly preferred.
- Have a proven track record in co-brand credit programs, subprime lending, consumer credit cards, and commercial credit cards.
- Demonstrate expertise in Excel and SQL modeling.
- Have strong programming and data analytics experience in R or Python.
- Communicate effectively with senior executives, customers, and partners.
- Be able to work in a fast-paced, dynamic environment and adapt to changing priorities.
- Experience in capital markets (ABS, securitization, warehouse lines) and fraud management is a plus.
Responsibilities
- Scale and lead Marqeta's credit organization.
- Mentor and develop a high-performing credit risk team.
- Oversee portfolio performance and account management across consumer and commercial credit programs.
- Build, review, and refine consumer and commercial underwriting models using statistical modeling and data science.
- Monitor and adjust credit policies based on performance and risk trends.
- Establish credit strategies for co-brand, consumer, and commercial credit card programs.
- Enhance underwriting and risk documentation, coordinate model validation and governance with bank partners, and report KPIs.
- Partner with product to develop credit stacks and data strategy using financial, bank, and third-party datasets.
- Represent Marqeta's credit capabilities to customers and bank partners and provide risk consulting.
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