Credit Risk Manager
New
J
JobgetherSmall business lending
Based in the United StatesFull-TimeManager
Salary not disclosed
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Job Details
- Experience
- At least 5 years of experience in credit risk, credit strategy, lending analytics, portfolio management, or a related discipline
- Required Skills
- PythonSQL
Requirements
- At least 5 years of experience in credit risk, credit strategy, lending analytics, portfolio management, or a related discipline.
- Strong understanding of lending funnels, underwriting decisioning, portfolio credit metrics, vintage analysis, loss performance, and risk-adjusted return measurement.
- Hands-on experience developing dashboards and reports using Amazon QuickSight or comparable business intelligence platforms.
- Ability to interpret large datasets and turn analytical findings into practical credit strategies and business recommendations.
- Working knowledge of credit scoring and predictive models, model validation and monitoring, score cutoffs, credit policy rules, and implementation within lending workflows.
- Strong analytical and problem-solving skills, attention to detail, and ability to communicate technical insights clearly to business stakeholders.
- Ability to collaborate with Modeling, Data, Technology, Risk, Capital Markets, Operations, and external lending partners.
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Analytics, Business, or a related field, or equivalent relevant experience.
- Experience in small business or commercial lending is preferred.
- Experience with embedded finance, partner-originated lending, or multi-lender platforms is a plus.
- Python, SQL, and advanced Excel proficiency are nice to have; familiarity with R or other analytical tools is an advantage.
- Experience supporting credit model development, validation, production implementation, performance reporting, or institutional funding relationships is a plus.
Responsibilities
- Develop and refine data-driven credit strategies that balance lending growth with risk appetite and credit performance targets.
- Analyze application intake, approvals, offers, acceptance, closing, and funded-loan conversion across products, channels, partners, and customer segments.
- Evaluate risk-adjusted returns using expected credit losses, delinquency, defaults, pricing, profitability, and portfolio yield.
- Conduct cohort, vintage, funnel, segmentation, and scenario analyses to test strategies and measure results.
- Build, maintain, and improve Amazon QuickSight dashboards and other BI reporting tools.
- Track application and loan performance metrics, including approvals, fundings, delinquency, charge-offs, loss rates, and emerging risk indicators.
- Collaborate with Data, Analytics, and Technology teams to improve data quality, reporting definitions, dashboard automation, and access to insights.
- Support credit model development, validation, testing, implementation, and ongoing monitoring with the Modeling team.
- Coordinate with lending partners on credit models, data requirements, testing, credit policies, and performance monitoring.
- Provide investors and warehouse lenders with credit performance analysis, portfolio trends, model results, and loss and vintage reporting.
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