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Tech Stack
Tools & technologiesSQL
About the role
Key responsibilities & impact- Own end-to-end credit strategy initiatives — from framework design through implementation and ongoing monitoring
- Build, review, and refine consumer and commercial credit card risk and pricing strategies
- Proactively adjust credit card policies based on portfolio performance and risk trends
- Establish strategies that directly drive KPIs: approval rates, new accounts, loss rates, profit margin, and more
- Partner with data scientists to build best-in-class credit risk and cash flow models
- Work with product to develop modern credit stacks and data strategies leveraging financial, bank, and third-party datasets — enabling underwriting automation at scale
- Partner with capital markets on securitization structures, warehouse lines, and forward flow deals
- Provide analytical support to co-brand partners, including loss forecasts and profitability analysis
- Draft underwriting and risk documentation
- Support bank partners on model validation and governance
- Report KPIs and risk performance to senior management regularly
- Serve as a risk consultant to bank partners and customers — recommending improvements to credit strategies
- Collaborate across Banking, Product, Finance, and Capital Markets as an internal strategic resource and external-facing advisor
- Lead and mentor a small team of Credit Risk Analysts (1–3 people), providing direction on day-to-day priorities and longer-term development
Requirements
What you’ll need- 8+ years building credit card risk and pricing programs, ideally at a fintech — across consumer and/or commercial underwriting
- Proven ownership across the full credit card lifecycle:
- Credit policy and risk strategy development, monitoring, and adjustment
- Approval, line assignment, and pricing strategy design
- Risk assessments for prospective partners
- Acquisition strategy across card programs
- Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field
- Expert in Excel and SQL modeling
- Comfortable using data to build alignment across stakeholders with competing priorities
- Experience working cross-functionally with product, engineering, finance, compliance, bank partners, and capital providers
- Exceptional communicator — able to translate complex credit concepts for executive, partner, and cross-functional audiences (written and verbal)
- Comfortable in a build environment — moves fluidly between strategy and execution without a large supporting team
- Thrives in fast-paced, dynamic settings with shifting priorities
- Demonstrated ability to adapt credit strategies in response to portfolio performance changes or macroeconomic conditions
Benefits
Comp & perks- 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
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit strategycredit risk modelingpricing strategyrisk assessmentdata analysisExcelSQLunderwriting automationportfolio performance monitoringloss forecasting
Soft Skills
communicationleadershipcollaborationadaptabilitystrategic thinkinganalytical thinkingproblem-solvingmentoringstakeholder alignmentexecution