Credit Risk Manager

Marqeta

Credit Risk Manager leading credit underwriting and account management for SMB and commercial card programs. Driving innovation in embedded credit strategies with internal stakeholders and external partners.

Posted 6/4/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $123,000 - $180,900 per yearWebsite

About the role

Key responsibilities & impact

Own end-to-end manual underwriting for new SMB and commercial card customers, using both bureau data and cash flow analysis to make credit decisions
Build, review, and refine SMB and commercial credit card risk origination strategies, including line assignment, spend controls, and account management policies
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 commercial credit risk and cash flow models
Work with product to develop modern credit stacks and data strategies leveraging bureau, bank, and cash flow datasets, including financial statements, accounts payable, liquidity information, etc.
Manage credit lines, spend controls, and exposure across the SMB and commercial portfolio, taking proactive risk-based action on accounts as performance evolves
Build the tracking and early warning framework for the portfolio, including utilization, payment behavior, and concentration risk
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

Requirements

What you’ll need

5+ years building credit card risk and pricing programs, ideally at a fintech, with hands-on manual underwriting experience on SMB and/or commercial credit card products
Proven ownership across the SMB and commercial credit card lifecycle:
Manual underwriting using both bureau data and cash flow analysis, including financial statement analysis
Credit policy and risk strategy development, monitoring, and adjustment
Line assignment, spend controls, and account management strategy
Risk assessments for prospective customers
Acquisition strategy across card programs
Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field

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

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Applicant Tracking System Keywords

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Hard Skills & Tools

manual underwritingcredit risk analysiscash flow analysiscredit policy developmentrisk strategy developmentfinancial statement analysisrisk assessmentacquisition strategyKPI reportingportfolio management

Soft Skills

collaborationconsultingcommunicationstrategic thinkingproblem-solvingadaptabilityleadershiporganizational skillsanalytical skillsproactive decision-making