Credit Strategy Manager

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

📋 Description

• Take charge of the credit risk strategy, underwriting guidelines, and the continuous improvement of new acquisition channels, which encompass affiliates (Credit Karma, NerdWallet, Doctor Of Credit), invitation-to-apply emails, paid social, display, direct mail, and instant prescreens.

• Establish targeting strategies and risk parameters for each channel in collaboration with credit policy, risk, data science, and marketing teams, ensuring that acquisition quality aligns with portfolio standards.

• Collaborate with data science and credit risk to shape targeting models, assess credit performance by channel, and refine acquisition criteria based on initial portfolio indicators.

• Develop business cases and ROI analyses that link application volume to credit results, including approval rates, anticipated losses, contribution profit, LTV, CAC, and LTV-to-CAC ratios.

• Oversee channel-level credit performance after launch, detecting early warning signs and modifying targeting or risk parameters as necessary.

• Work with finance to ensure acquisition strategies remain within LTV-to-CAC limits and are in accordance with Imprint's operational plans and loss budgets.

• Partner with GMs and brand associates to create channel strategies that reconcile partner growth objectives with credit quality expectations.

• Independently extract and analyze data using SQL to build data cohorts, assess performance, evaluate credit quality by channel, and inform strategic decisions.

• Manage stakeholder alignment among risk, credit policy, marketing, finance, and data science to guarantee clarity, speed, and accountability.

• Establish a test-and-learn approach for channel experimentation, with structured updates on both acquisition metrics and credit performance.

⛳️ Requirements

• A minimum of 5 years of experience in credit strategy, acquisition strategy, or risk-related marketing positions, ideally within card issuers, fintech, or financial services.

• In-depth knowledge of credit card economics, including approval rates, vintage loss rates, LTV, CAC, LTV-to-CAC ratios, and contribution profit modeling.

• Proven track record of cross-functional collaboration across risk, marketing, finance, and data science to enhance acquisition results.

• Advanced SQL proficiency to independently extract and analyze data.

• Demonstrated capability to create business cases that link acquisition performance to credit outcomes and portfolio economics.

• Familiarity with targeting models and the ability to collaborate with data science on model design, segmentation, and performance assessment.

• Strong sense of ownership and a proactive approach, with a history of successfully launching new initiatives from concept to execution.

• Excellent stakeholder management and communication abilities, with the skill to convey credit and financial information into clear narratives for leadership.

• A test-and-learn mindset with comfort in navigating ambiguity and iteration.

🏝️ Benefits

• Competitive compensation and equity packages.

• Access to leading configured work computers of your choice.

• Flexible paid time off.

• Comprehensive, high-quality healthcare coverage, including fully covered dependent coverage.

• Additional health benefits include access to One Medical and the option to enroll in an FSA.

• 20 weeks of paid parental leave for the primary caregiver and 8 weeks for all new parents.

• Access to industry-leading technology across all business units, reflecting our philosophy of investing in resources that promote innovation, optimization, and productivity.