Support the development and enhancement of next-generation credit programs, including market segment identification, competitor analysis, credit rule design, and integration of analytic models and scorecards.
Partner closely with Technology and Data teams to support implementation of AI automation, APIs, and credit decisioning tools.
Translate business needs into clear business requirements and contribute to project plans, timelines, and delivery milestones.
Collaborate with operational departments (Sales, Credit, Funding, Servicing, and others) to improve program performance and customer outcomes.
Manage and execute program initiatives from concept through launch, ensuring alignment with business objectives.
Manage and execute decision rule engine.
Monitor program performance using data and analytics; recommend optimizations based on results and risk trends.
Contribute to credit policy, guidelines, and decision management frameworks across lending products.
Prepare materials and present updates on program performance, risks, and initiatives to leadership.
Coordinate with internal stakeholders to ensure effective communication, issue resolution, and on-time delivery of projects.
Mentor junior team members or analysts as needed and contribute to a collaborative team culture.

Requirements

4+ years of experience in credit program development and management, credit rule creations and implementations using advanced analytic models and technologies.
5+ years of experience in auto finance or other finance services/ Fintech industries. Preferred experience in non-prime space.
Experience working closely with engineering and data teams and confidently “speak the language” of technology to support real-world system implementations.
Proficiency in understanding and interpreting advanced analytics, ML models, and technology usage for program management.
2+ years of coding and/or scripting experience in SQL and Python to analyze data or support model and strategy development.
Experience in managing decision rule engine preferred.
Experience gathering competitor intelligence and contributing to credit risk policy and program design.
Strong oral and written communication skills, with experience presenting to senior management.
Highly organized with strong attention to detail and execution discipline.
Project Management Professional (PMP)® certification is preferred.

Benefits

Generous salaries
Competitive health and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave and much more)
Paid vacation
401(k) match
Tuition reimbursement
Social activities
Monthly lunches
Robust employee recognition
Talent development program

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit program developmentcredit rule designadvanced analyticsmachine learning modelsSQLPythondecision rule enginedata analysisprogram managementcompetitor analysis

Soft Skills

communication skillsorganizational skillsattention to detailexecution disciplinementoringcollaborationproblem-solvingpresentation skillsstakeholder managementproject management

Certifications

Project Management Professional (PMP)