Senior Manager, Credit Risk - Remote

1w1 week ago

Marqeta

US · Full-time · $153,500 – $225,800

About this role

As Senior Manager, Credit Risk, lead credit risk and pricing strategy to launch and scale credit programs from the ground up. Drive innovation to establish best-in-class credit strategies in partnership with internal stakeholders, external bank partners, and customers. Create a unique marketplace enabling fintech apps, wallets, and merchants to offer credit products at scale.

Shape credit risk strategy across acquisition, account management, pricing, performance, and portfolio monitoring for managed credit card programs. Embedded within finance, partner with cross-functional execution teams across product, engineering, sales, and operations. Support evolving programs through proactive adjustments based on portfolio trends.

Lead and mentor a small team of Credit Risk Analysts, providing direction on priorities and development. Collaborate across Banking, Product, Finance, and Capital Markets as an internal strategic resource and external advisor. Work Flexible First from remote locations in the United States.

Own end-to-end credit strategy initiatives from framework design through implementation and monitoring. Partner with data scientists on credit risk and cash flow models, and with capital markets on securitization and deals. Report KPIs to senior management and serve as risk consultant to partners.

Requirements

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 including credit policy and risk strategy development, monitoring, and adjustment
Proven ownership across approval, line assignment, and pricing strategy design
Proven ownership across risk assessments for prospective partners and acquisition strategy
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

Responsibilities

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
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
Partner with capital markets on securitization structures, warehouse lines, and forward flow deals
Lead and mentor a small team of Credit Risk Analysts
Report KPIs and risk performance to senior management regularly