Credit Risk Manager
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Job Description
Credit Risk Manager leading credit underwriting and account management for SMB and commercial card programs. Driving innovation in embedded credit strategies with internal stakeholders and external partners.
Responsibilities:
- Own end-to-end manual underwriting for new SMB and commercial card customers, using both bureau data and cash flow analysis to make credit decisions
- Build, review, and refine SMB and commercial credit card risk origination strategies, including line assignment, spend controls, and account management policies
- Proactively adjust 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
- Partner with data scientists to build best-in-class commercial credit risk and cash flow models
- Work with product to develop modern credit stacks and data strategies leveraging bureau, bank, and cash flow datasets, including financial statements, accounts payable, liquidity information, etc.
- Manage credit lines, spend controls, and exposure across the SMB and commercial portfolio, taking proactive risk-based action on accounts as performance evolves
- Build the tracking and early warning framework for the portfolio, including utilization, payment behavior, and concentration risk
- Draft underwriting and risk documentation
- Support bank partners on model validation and governance
- Report KPIs and risk performance to senior management regularly
- 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
Requirements:
- 5+ years building credit card risk and pricing programs, ideally at a fintech, with hands-on manual underwriting experience on SMB and/or commercial credit card products
- Proven ownership across the SMB and commercial credit card lifecycle:
- Manual underwriting using both bureau data and cash flow analysis, including financial statement analysis
- Credit policy and risk strategy development, monitoring, and adjustment
- Line assignment, spend controls, and account management strategy
- Risk assessments for prospective customers
- Acquisition strategy across card programs
- Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field
Benefits:
- Multiple health insurance options
- 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 professional coaching, and legal advice
- Monthly stipend to support our remote work model
- Annual “development dollars” to support our people growth and development
- Through Flex First, the freedom to live and work wherever you and your family thrive
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