Senior Credit Risk Manager
4 days ago
We're a financial services company dedicated to building simple and inclusive financial products that help our members improve their financial futures. Our mission is to create healthy financial habits and achieve economic stability for all.
Our ProductsWe've developed innovative products to make a meaningful impact:
- Perpay Marketplace: A platform that combines interest-free payments and modern e-commerce to reduce the cost of ownership and promote healthy repayment behavior.
- Perpay+: A tool that leverages Marketplace repayment history to help members monitor and build credit with all three credit bureaus.
- Perpay Credit Card: A card that expands access to the flexibility and benefits of a World Mastercard by removing common barriers like high security deposits and low approval odds.
We're seeking a Senior Credit Risk Manager to join our team and play a critical role in developing and optimizing credit risk management strategies. This position requires a seasoned professional with expertise in consumer lending risk and a strong background in credit risk management.
Responsibilities- Formulate credit risk strategies for underwriting credit card products in both acquisition and portfolio management phases to enhance profitability, boost revenue, reduce credit losses, and increase customer lifetime value.
- Design and oversee champion/challenger testing, evaluate the results, recommend updates to credit policies based on findings, and communicate strategies to stakeholders.
- Utilize SQL, Excel, and other analytical tools to perform detailed data analysis, identify potential risks, and develop mitigation strategies.
- Lead and mentor a team of analysts, collaborating with Decision Science, Marketing, Finance, Operations, Technology, Compliance, Legal, and other departments to achieve credit strategy initiatives.
- Translate complex risk-related data into actionable strategic insights and recommendations.
- Oversee multiple projects and initiatives to ensure they align with the company's risk appetite.
- Effectively communicate risk-related information through data visualization tools and reports.
- Competitive salary + company equity.
- 401k with company match.
- Medical / Dental / Vision insurance.
- Flexible Spending Account (FSA).
- Relocation assistance.
- Pre-tax commuter benefit.
- Student loan repayment match.
- Gym subsidy with City Fitness.
- Cell phone plan.
- Paid parental leave.
- Unlimited PTO.
- Opportunity to gain experience at one of the fastest-growing financial startups in the country.
- Work on both e-commerce & fintech customer-facing products.
- Collaborate cross-functionally with product, design, marketing, operations, data teams, and more.
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