Credit Risk Manager

This is a fully remote position, open to applicants in Florida.

📋 Description

• Develop and enhance credit strategies utilizing application, offer, funding, and portfolio performance data.

• Maximize lending growth within the approved risk appetite and credit performance objectives.

• Identify opportunities to enhance application intake, approvals, offer acceptance, closing, and funded-loan pull-through.

• Evaluate risk versus return, including anticipated credit losses, delinquency, defaults, pricing, profitability, and portfolio yield.

• Conduct cohort, vintage, funnel, segmentation, and scenario analyses.

• Construct, update, and maintain Amazon QuickSight dashboards and other business intelligence reporting.

• Monitor applications, approvals, declines, offers, closings, fundings, and subsequent credit outcomes.

• Track credit quality trends, vintage performance, delinquency, charge-offs, loss rates, and emerging risk indicators.

• Collaborate with Data, Analytics, and Technology teams to enhance data integrity, reporting definitions, dashboard automation, and risk insights.

• Assist in the development, validation, testing, implementation, and post-implementation monitoring of credit models.

• Translate business and credit objectives into model requirements, eligibility criteria, score cutoffs, decision rules, risk tiers, and approval strategies.

• Contribute to model validation, back-testing, challenger testing, segmentation reviews, and evaluations of model stability and predictive performance.

• Establish and implement partner-specific credit models and decision strategies alongside embedded lending partners.

• Coordinate partner data requirements, model integration, testing, credit policy alignment, performance reporting, and launch readiness.

• Oversee partner-level credit outcomes, conversion rates, concentrations, and risk-adjusted economics.

• Support investors and warehouse lenders by analyzing credit performance, portfolio trends, model performance, loss and vintage reporting, and addressing risk-related inquiries.

• Collaborate with Capital Markets and Finance on portfolio eligibility, risk concentrations, performance discussions, due diligence, and credit reporting.

• Aid in the design, testing, and rollout of new credit products, lending channels, partner programs, and growth initiatives.

• Convert credit recommendations into policies, workflows, and decisioning logic in partnership with cross-functional teams.

• Keep documentation of credit strategy decisions, testing, approvals, and performance.

• Escalate significant trends and ensure compliance with Risk team parameters and applicable lending requirements.

⛳️ Requirements

• At least 5 years of experience in credit risk, credit strategy, lending analytics, portfolio management, or a related field.

• Experience in small business or commercial lending is preferred.

• Strong understanding of lending funnels, underwriting decision-making, portfolio credit metrics, vintage analysis, loss performance, and risk-adjusted return measurement.

• Practical experience in developing dashboards and reports using Amazon QuickSight or similar business intelligence platforms.

• Capability to interpret large datasets and translate insights into actionable credit strategies.

• Familiarity with credit scoring and predictive models, model validation and monitoring, score cutoffs, policy rules, and integration into lending workflows.

• Ability to collaborate with Modeling, Data, Technology, Risk, Capital Markets, Operations, and external lending partners.

• Strong analytical problem-solving skills, attention to detail, written communication abilities, and the capability to present technical insights to business stakeholders.

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Analytics, Business, or a related field, or equivalent experience.

• Optional: experience in small business or commercial credit, embedded finance, partner-originated lending, or multi-lender platforms.

• Optional: proficiency with business intelligence tools, Python, SQL, and advanced Excel; familiarity with R or other analytical tools is a plus.

• Optional: experience supporting credit model development, independent validation activities, production implementation, and ongoing monitoring.

• Optional: experience preparing portfolio credit performance reports for institutional investors, warehouse lenders, or other capital providers.

• Optional: proven success in enhancing origination conversion and funded volume while sustaining stable credit performance and attractive risk-adjusted returns.

🏝️ Benefits

• Remote work arrangement.

• Full-time employment.