Manager, Credit Risk
Gemini
full-time
Posted on:
Location Type: Hybrid
Location: Miami • California • Florida • United States
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Salary
💰 $112,000 - $160,000 per year
About the role
- Define and socialize the credit risk strategy and risk appetite aligned to growth and profitability goals.
- Establish credit policy and lifecycle controls (originations, account management, collections, recoveries).
- Leverage traditional and alternative data to design and iterate underwriting, pricing, and line‑management strategies.
- Develop and maintain mission‑critical reporting and dashboards for KRIs/KPIs (approval, loss, delinquency, roll rates, unit economics).
- Build and oversee various underwriting/line‑management strategies; run champion/challenger tests, back‑testing, performance optimization and monitoring.
- Iterate and enhance account management functions including credit line management, utilization, delinquencies, collections, and recoveries.
- Work closely with Product, Engineering, Legal, and Compliance to launch credit features safely and quickly (launch criteria, go/no‑go decisions, and post‑launch monitoring).
- Develop and manage key vendor relationships (data providers, decisioning platforms, collections partners); negotiate SLAs and evaluate ROI.
- Partner with Fraud Management to detect and mitigate first‑party, third‑party, and synthetic identity patterns; ensure clear credit vs. fraud decision boundaries.
- Hire, coach, and develop a small team; establish operating cadence, documentation standards, and incident/issue‑management playbooks.
Requirements
- 6–10 years of experience in consumer credit risk management (cards, BNPL, unsecured, or adjacent fintech).
- Proven ability to apply credit and risk principles to deliver business outcomes (growth, loss, margin) and explain trade‑offs to non‑risk stakeholders.
- Prior experience developing and managing vendor and bank partner relationships with accountability for SLAs and performance.
- Experience building/scaling teams (hiring, coaching, and developing analysts) as operations grow.
Benefits
- Competitive starting salary
- A discretionary annual bonus
- Long-term incentive in the form of a new hire equity grant
- Comprehensive health plans
- 401K with company matching
- Paid Parental Leave
- Flexible time off
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit risk strategycredit policyunderwritingpricing strategiesaccount managementperformance optimizationreporting and dashboardsdata analysisvendor managementfraud detection
Soft Skills
team leadershipcoachingcommunicationcollaborationnegotiationproblem-solvingdecision-makingstrategic thinkingrelationship managementoperational management