Varo Bank

Lead Credit Strategy Manager

Varo Bank

full-time

Posted on:

Origin:  • 🇺🇸 United States • Utah

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Salary

💰 $140,000 - $200,000 per year

Job Level

Senior

Tech Stack

PythonSQLTableau

About the role

  • Lead Credit Strategy for New Products: Develop and implement credit strategies for new products, including underwriting, pricing, and credit policies from ideation to post-launch monitoring
  • Analyze and Optimize: Conduct deep-dive analyses of KPIs to identify trends and understand portfolio performance. Propose and implement data-driven policy changes to improve risk-adjusted returns and customer experience
  • Drive Experimentation: Design and execute A/B tests to optimize credit policies, user experience, and risk controls
  • Inform and Influence: Present analysis and strategic recommendations to key stakeholders and executive leadership
  • Collaborate Cross-Functionally: Partner with Product, Engineering, Data Science, Marketing, Operations, and Legal teams to deliver best-in-class, compliant credit offerings
  • Champion Best Practices: Build and maintain monitoring dashboards and develop performance tracking to ensure proactive risk management

Requirements

  • 8+ years of experience in consumer credit risk management or credit strategy, preferably at a fintech or major financial institution
  • Strong understanding of the consumer credit lifecycle, including origination, underwriting, fraud, and collections. Experience with traditional and alternative credit bureau data is essential
  • Ability to translate business problems into a data-driven approach, including hypothesis testing and root cause analysis
  • Advanced expertise in data analysis and manipulation using SQL or Python
  • Experience with advanced statistical techniques and a solid understanding of relational databases
  • Strong ability to independently identify and solve problems in a fast-paced environment
  • Education: Bachelor's or Master's in a quantitative field like Computer Science, Economics, Math, Statistics, or Engineering
  • Experience with machine learning models in a credit risk context is a plus
  • Familiarity with business intelligence tools like Tableau or Looker is a plus
  • Experience at a high-growth fintech or tech startup is a plus