Build, review, and refine Marqeta's consumer and business underwriting strategies
Proactively monitor and adjust Marqeta’s credit policies based on performance and risk trends
Work with data scientists to build best in class credit risk and cash flow models
Establish credit strategies for our consumer and commercial credit card programs that directly drive KPIs, i.e., approval rates, new accounts, loss rate, profit margin etc.
Draft underwriting and risk documentation, work with bank partners on model validation and governance, and report KPIs to senior management on a regular basis
Partner with product to build modern credit stacks and data strategy leveraging financial, bank, and third-party datasets, to enable underwriting automation with big data.
Provide analytical support and materials (loss forecasts, profitability) for capital markets and co-brand partners
Provide risk consulting services to our bank partners and customers, recommending improvements to credit strategies

Requirements

8+ years of experience in credit, fintechs preferred
Bachelor's degree or equivalent college-level education in Finance, Business, Accounting, Economics, Statistics, Math or similar fields
Experience partnering with product and finance teams to bring best-in-class credit strategies and solutions to market
Expertise in Excel and SQL modeling
Experience in any one of the following: capital markets (e.g., ABS, securitization, warehouse lines), and fraud management
Strong verbal and written communication skills
Ability to work in a fast-paced, dynamic environment and adapt to changing priorities

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

Applicant Tracking System Keywords

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

Hard skills

credit risk modelingcash flow modelingExcelSQLunderwriting strategiesdata analysisloss forecastingprofitability analysiscredit policy adjustmentrisk documentation

Soft skills

communication skillsanalytical supportcollaborationadaptabilityproblem-solvingstrategic thinkingleadershipconsultingorganizational skillsinterpersonal skills