Senior Credit Risk Strategy Manager
2 weeks ago
At Perpay, we are dedicated to offering financial solutions that empower individuals to enhance their economic well-being. Our focus on inclusivity and simplicity has led to the creation of innovative products that have made a meaningful difference.
Key Highlights:
- Over $500 million in spending power utilized by our members
- Members' credit scores improving by an average of 36 points within the first 3 months
- Supported by notable investors including First Round Capital and JP Morgan
- Perpay Marketplace: Enabling users with interest-free payment options and modern e-commerce to foster responsible financial habits
- Perpay+: Utilizing repayment history to assist members in building credit across all major credit bureaus
- Perpay Credit Card: Providing access through a World Mastercard without high security deposits or low approval odds
About the Position:
This position is equivalent to a senior executive role within a financial institution. As we broaden our offerings, particularly with the launch of our credit card, we require an expert in consumer lending risk to inform decisions across the organization. The Senior Credit Risk Manager will be tasked with formulating underwriting strategies for our credit products, utilizing data from both internal and external sources.
The ideal candidate will possess a robust background in credit risk management, exceptional analytical abilities, and a collaborative spirit. They will excel in a dynamic environment, managing multiple initiatives to enhance risk management practices and strategy formulation.
Responsibilities:
- Develop credit risk strategies for credit card offerings to enhance profitability and minimize losses
- Conduct analyses and tests to refine credit policies based on insights
- Employ data analysis tools to identify risks and create mitigation strategies
- Lead a team of analysts and work collaboratively with various departments to meet credit strategy objectives
- Translate complex data into actionable insights
- Oversee projects to ensure alignment with risk appetite
- Effectively communicate risk-related information
- Bachelor's degree in a relevant discipline
- 3+ years of experience in credit risk management
- Prior experience in credit card services
- Strong analytical and communication skills
- Ability to work collaboratively with diverse teams
- Project management experience in a fast-paced setting
Benefits:
- Competitive salary and equity options
- 401k plan with matching contributions
- Comprehensive health insurance coverage
- Flexible spending account
- Relocation assistance
- Travel benefits
- Parental leave
- Generous paid time off
- Opportunity to work in a rapidly growing startup environment
- Contribute to innovative e-commerce and fintech solutions
- Collaborate with diverse teams
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