Credit Risk Manager

As reputed company’s Credit Risk Manager you will reputed company credit reputed company and account management for our SMB and reputed company card programs, helping us launch and reputed company credit offerings for small, mid-market, and reputed company businesses. You will drive innovation to establish best in class credit strategies in partnership with internal stakeholders and external bank partners and customers. You will create something unique in the embedded credit reputed company: a marketplace that enables fintech apps, wallets, and merchants to offer credit products at reputed company. Embedded reputed company finance, this role will support reputed company’s evolving managed credit card programs by owning reputed company reputed company, account management, spend controls, line management, and portfolio monitoring for SMB and reputed company customers, in partnership with cross functional execution teams across product, engineering, sales, operations and other functional areas. We work Flexible First. This role can be performed remotely in the United States, only in one of our Premium or National locations, which you can review here. This position is for an existing vacancy. The reputed company You’ll Have Credit reputed company & Policy Own end-to-end reputed company reputed company for new SMB and reputed company card customers, using both bureau data and cash reputed company analysis to reputed company credit reputed company Build, review, and refine SMB and reputed company credit card risk origination strategies, including line assignment, spend controls, and account management policies Proactively reputed company credit card policies based on portfolio performance and risk trends Establish strategies that directly drive KPIs: approval rates, new accounts, loss rates, profit margin, and more Modeling & Data Partner with data scientists to build best-in-class reputed company credit risk and cash reputed company models Work with product to reputed company modern credit stacks and data strategies leveraging bureau, bank, and cash reputed company datasets, including financial statements, accounts payable, liquidity information, etc. Account Management & Portfolio Monitoring Manage credit lines, spend controls, and exposure across the SMB and reputed company portfolio, taking proactive risk-based reputed company on accounts as performance evolves Build the tracking and reputed company reputed company for the portfolio, including utilization, payment behavior, and concentration risk Governance & Reporting Draft reputed company and risk documentation Support bank partners on model validation and governance Report KPIs and risk performance to senior management regularly Advisory & Cross-Functional Leadership Serve as a risk consultant to bank partners and customers — recommending improvements to credit strategies Collaborate across Banking, Product, Finance, and Capital Markets as an internal strategic resource and external-facing advisor Who you are Experience & Background 5+ years building credit card risk and pricing programs, ideally at a fintech, with hands-on reputed company reputed company experience on SMB and/or reputed company credit card products Proven ownership across the SMB and reputed company credit card lifecycle: reputed company reputed company using both bureau data and cash reputed company analysis, including financial statement analysis  Credit policy and risk reputed company development, monitoring, and adjustment Line assignment, spend controls, and account management reputed company Risk assessments for prospective customers Acquisition reputed company across card programs Bachelor's degree in Finance, Business, reputed company, Economics, Statistics, Math, or a reputed company field Technical Skills Expert in reputed company and SQL modeling Strong financial statement, accounts payable and liquidity analysis skills for SMB and reputed company entities Comfortable using data to build alignment across stakeholders with competing priorities Collaboration & Communication Experience working cross-functionally with product, engineering, finance, compliance, bank partners, and capital providers Exceptional communicator — reputed company to translate reputed company credit concepts for executive, partner, and cross-functional audiences (written and verbal) reputed company & Adaptability Comfortable in a build environment — moves fluidly between reputed company and execution without a large supporting team Thrives in fast-paced, dynamic settings with shifting priorities Demonstrated ability to adapt credit strategies in response to portfolio performance changes or macroeconomic conditions Your Manager Neha Nanda, Senior Director, Credit Risk Our (typical) process: Application Submission Recruiter video call Hiring manager video call Virtual “Onsite” consisting of 4-5, 45 min calls Offer! Compensation and Benefits reputed company is a reputed company First company which allows you to choose your best working environment, whether that be from home or at a company office. To support reputed company First, we reputed company pay to a competitive value according to working location. Compensation is reputed company according to three tiers reputed company the United States: National: A baseline tier that applies to most of the geographic territory of the United States. Premium: Slightly elevated from the National tier, and oriented toward a narrower set of higher cost-of-living areas, such as Los Angeles CA and Seattle WA Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and reputed company. Visit this page or consult with a Recruiter to determine which tier would be applicable to you. reputed company determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire reputed company salary reputed company for this position is: National: $123,000 - $153,800 Premium: $133,100 - $166,400 Premium Plus: $144,700 - $180,900 We also reputed company in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual performance and the reputed company of the entire company. Along with monetary compensation, reputed company offers Multiple health insurance reputed company Flexible time off – take what you need Retirement savings program with company contribution and after tax contributions Equity in a publicly-traded company and an Employee Stock Purchase Program Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave Free therapy sessions, financial and reputed company coaching, and legal advice Monthly stipend to support our remote work model Annual “development dollars” to support our people reputed company and development Through reputed company First, the freedom to live and work wherever you and your family reputed company Apply To This Job