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Manager, Credit Risk

56 minutes ago

San Francisco, California, United States Gemini Full time

About The Company
Gemini is a global crypto and Web3 platform founded by Cameron and Tyler Winklevoss in 2014, offering a wide range of simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. Our mission is to unlock the next era of financial, creative, and personal freedom by providing trusted access to the decentralized future. We envision a world where crypto reshapes the global financial system, internet, and money to create greater choice, independence, and opportunity for all — bridging traditional finance with the emerging cryptoeconomy in a way that is more open, fair, and secure. As a publicly traded company, Gemini is poised to accelerate this vision with greater scale, reach, and impact.

The Department: Financial Risk
The Role: Manager, Credit Risk
Gemini is looking for a Credit Risk Manager to join our team. This individual will be responsible for scaling Gemini's consumer credit card credit risk function from strategy to execution and managing multiple new initiatives. The candidate will fill a senior-level position and will be responsible for building a lean, high‑performing team as operations scale. They will set risk appetite, establish credit policy and controls, and build the credit platform (models, monitoring, and reporting) for new and existing products.

This role is required to be in person twice a week at either our San Francisco, CA or New York City, NY office.
Responsibilities

  • Define and socialize the credit risk strategy and risk appetite aligned to growth and profitability goals.
  • Establish credit policy and lifecycle controls (originations, account management, collections, recoveries).
  • Leverage traditional and alternative data to design and iterate underwriting, pricing, and line‑management strategies.
  • Develop and maintain mission‑critical reporting and dashboards for KRIs/KPIs (approval, loss, delinquency, roll rates, unit economics).
  • Build and oversee various underwriting/line‑management strategies; run champion/challenger tests, back‑testing, performance optimization and monitoring.
  • Iterate and enhance account management functions including credit line management, utilization, delinquencies, collections, and recoveries.
  • Work closely with Product, Engineering, Legal, and Compliance to launch credit features safely and quickly (launch criteria, go/no‑go decisions, and post‑launch monitoring).
  • Develop and manage key vendor relationships (data providers, decisioning platforms, collections partners); negotiate SLAs and evaluate ROI.
  • Partner with Fraud Management to detect and mitigate first‑party, third‑party, and synthetic identity patterns; ensure clear credit vs. fraud decision boundaries.
  • Hire, coach, and develop a small team; establish operating cadence, documentation standards, and incident/issue‑management playbooks.

Minimum Qualifications

  • 6–10 years of experience in consumer credit risk management (cards, BNPL, unsecured, or adjacent fintech).
  • Proven ability to apply credit and risk principles to deliver business outcomes (growth, loss, margin) and explain trade‑offs to non‑risk stakeholders.
  • Prior experience developing and managing vendor and bank partner relationships with accountability for SLAs and performance.
  • Experience building/scaling teams (hiring, coaching, and developing analysts) as operations grow.

Preferred Qualifications

  • Exceptional communication skills (written and oral); ability to simplify complexity and influence decisions across functions.
  • Excellent analytical rigor; familiarity with experimentation design and statistical performance assessment.
  • Proficiency in SQL and Python for data exploration, model development, and production‑grade analysis.
  • Experience with BI tools (e.g., Tableau, Looker), cloud data warehouses (e.g., Snowflake/Redshift/DataBricks), and decisioning platforms.
  • Ability to balance and execute on competing priorities in a fast‑paced environment; strong personal accountability and follow‑through.
  • Familiarity with model governance and monitoring frameworks (AUC/KS, PSI, back‑testing) and champion/challenger methods.
  • Passion for startups, new technology, and cryptocurrency.

It Pays to Work Here
The Compensation & Benefits Package For This Role Includes

  • Competitive starting salary
  • A discretionary annual bonus
  • Long-term incentive in the form of a new hire equity grant
  • Comprehensive health plans
  • 401K with company matching
  • Paid Parental Leave
  • Flexible time off

Salary Range
: The base salary range for this role is between $112,000 - $160,000 in the State of New York, the State of California and the State of Washington. This range is not inclusive of our discretionary bonus or equity package. When determining a candidate's compensation, we consider a number of factors including skillset, experience, job scope, and current market data.

In the United States, we offer a hybrid work approach at our hub offices, balancing the benefits of in-person collaboration with the flexibility of remote work. Expectations may vary by location and role, so candidates are encouraged to connect with their recruiter to learn more about the specific policy for the role. Employees who do not live near one of our hubs are part of our remote workforce.
At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace. If you have a specific need that requires accommodation, please let a member of the People Team know.