Credit Card Underwriting Manager

Bakkt

Credit Card Underwriting Manager overseeing credit risk management for Bakkt's new credit card program. Managing application quality, decisioning processes, and compliance with financial regulations.

Posted 7/27/2026full-timeRemote • California • 🇺🇸 United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Credit Risk Management, including the development and implementation of Credit Risk Policy frameworks and automated decisioning processes. Proficient in monitoring credit scoring models and managing relationships with Loan Origination System providers and credit bureaus.

Highest-signal resume keywords

Credit Risk ManagementCredit Risk Policy FrameworksAutomated Decisioning ProcessesKYC & Fraud VerificationConsumer Credit Regulations

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Card UnderwritingApplication Quality AssessmentAutomated Model Performance MonitoringFraud Trend IdentificationCredit Quality Verification

Soft Skills

Analytical SkillsProblem-SolvingCommunication Skills

Tools & Technologies

Loan Origination System (LOS)Credit Bureau Integration

Industry Keywords

Reg BFCRACredit Risk Management LifecycleDelinquency PipelineModel Governance

About the role

Key responsibilities & impact

Establish and drive the end-to-end credit risk management lifecycle in a de novo environment, encompassing the Credit Risk Policy framework, implementation and integration of the Loan Origination System (LOS), application quality assessment, automated and manual decisioning, and managing post-approval credit monitoring
Protect the program from credit and fraud losses, ensuring strict regulatory compliance
Manage application quality, designing automated and manual decisioning processes, owning the administration and performance of the Loan Origination Platform
Continuously monitor and update the Credit Policy buy box based on emerging market trends and performance data
Oversee model governance, including performance monitoring, recalibration, and coordinating independent model validation
Proactively monitor the performance, stability, and validity of the automated credit scoring model
Identify and mitigate complex emerging fraud trends, such as "Sleeper" fraud (synthetic identities)
Coordinate with the Operations team on Collections and report on the Delinquency Pipeline, including Early-stage collections and roll rates
Manage the relationship and technical integration with the Loan Origination System (LOS) provider and credit bureau partners

Requirements

What you’ll need

Proven experience in credit card underwriting and credit risk management
Demonstrated ability to manage and update Credit Risk Policy frameworks and buy boxes
Strong analytical skills for monitoring automated model performance, portfolio delinquency, and identifying emerging fraud trends
Experience with KYC and credit quality verification processes for manual application reviews
Expertise in relevant consumer credit regulations, including Reg B and FCRA
Excellent problem-solving and communication skills for working with cross-functional teams in a highly matrixed fast paced environment
Extensive experience in working with external vendors, including Loan Origination Systems, Credit Bureaus, KYC & Fraud providers.

Benefits

Comp & perks

Health insurance
401(k) matching
Paid time off
Flexible working hours