Credit Risk Senior Manager, Underwriting

📋 Description

• Build, review, and refine underwriting strategies.
• Monitor and adjust credit policies based on performance and risk trends.
• Work with data scientists to build credit risk and cash flow models.
• Establish credit strategies for consumer/commercial card programs to drive KPIs.
• Draft underwriting/risk docs; partner with banks on validation and governance; report KPIs.
• Partner with product to build modern credit stacks and data-driven underwriting.
• Provide loss forecasts and profitability analyses for capital markets and co-brand partners.
• Provide risk consulting to bank partners and customers to improve credit strategies.

🎯 Requirements

• 8+ years of credit experience; fintechs preferred.
• Bachelor's degree or equivalent in Finance, Business, Accounting, Economics, Statistics, or Math.
• Experience partnering with product and finance teams to bring credit strategies to market.
• Expertise in Excel and SQL modeling.
• Experience in capital markets (e.g., ABS, securitization, warehouse lines) or fraud management.
• Strong verbal and written communication skills.
• Ability to work in a fast-paced, dynamic environment and adapt to changing priorities.

🎁 Benefits

• Flex First: work from home or office as you prefer.
• Base salary tiers aligned to US locations.
• Annual bonus eligibility based on performance.
• Multiple health insurance options.
• Flexible time off and parental leave.
• Equity and Employee Stock Purchase Program.