Senior Credit Risk Manager – Cards

Lendable

Senior Credit Risk Manager overseeing credit strategies and performance for fintech credit card portfolio. Collaborating with teams to optimize decisions and drive business growth.

Posted 6/29/2026full-timeVirginia • Virginia • 🇺🇸 United StatesSenior💰 $175,000 - $250,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Build a high-performing credit card portfolio with ambitious growth targets and a commitment to responsible lending
Optimize credit decisioning including who to lend to, limits to set, and rates to offer
Define and refine credit strategies that align with evolving portfolio goals, staying ahead of economic trends and adapting accordingly
Own the end-to-end testing ecosystem — experimentation design, implementation standards, and statistically sound result interpretation
Build and own a monitoring & analytics suite that gives a clear, end-to-end view of credit performance and unit economics, and serves as a single source of truth for senior leadership
Develop and own models that forecast returns, value the portfolio, and drive investor reporting
Discover data-driven insights using Python and SQL to address key business questions
Collaborate cross-functionally with product, engineering, data, and operations teams to implement and improve strategies
Continuously monitor the effectiveness of credit strategies and identify areas for improvement

Requirements

What you’ll need

Daily coding experience with Python and SQL
Proven experience in credit risk strategy within finance, ideally within consumer lending
Deep understanding of experimentation, measurement, and statistical inference (power, significance, bias, causality, guardrails)
Strong understanding of credit performance and unit economics in lending
Strategic thinking and ability to translate complex data into clear, actionable decisions
Results-focused mindset balancing business and customer needs
Collaborative, growth mindset and willingness to challenge your own assumptions
Strong sense of ownership and proactive problem-solving attitude

Benefits

Comp & perks

Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites
Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls
Health coverage: support for your physical and mental wellbeing, including private health cover
Retirement & savings: long-term financial wellbeing through retirement savings plans
Employee referral programme: earn a competitive bonus when you refer successful new team members
Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations
Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit Risk StrategyData AnalysisStatistical InferenceModel DevelopmentExperimentation Design

Soft Skills

Strategic ThinkingCollaborative MindsetProactive Problem-SolvingResults-FocusedGrowth Mindset