Senior Manager, Credit

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

📋 Description

• Ensure the credit team adheres to the underwriting standards.

• Establish expectations for decision quality and assess portfolio performance.

• Develop and maintain the credit underwriting standards.

• Identify credit signals, set credit limits, outline exception treatments, and define escalation procedures.

• Create a backtesting infrastructure utilizing historical application data.

• Evaluate false positives in approved accounts.

• Collaborate with Data Science on inputs and validation for credit models.

• Facilitate the shift from manual reviews to automated decision-making.

• Lead and enhance the credit team's performance.

• Set clear expectations, provide constructive feedback, and cultivate analytical skills.

• Present portfolio analytics to leadership.

• Work alongside Fraud Operations to monitor application fraud signals.

• Collaborate with senior leadership on governance and approval processes for credit policy.

⛳️ Requirements

• Minimum of 8 years of experience in credit underwriting or credit risk.

• At least 3 years of experience in leading a credit team.

• Demonstrated success in designing operational models.

• Extensive experience in business or commercial underwriting.

• Proficient in setting credit limits, analyzing financial signals, and making independent credit decisions.

• Practical experience with commercial credit bureaus, such as D&B or similar entities.

• Full ownership of KYB (Know Your Business) processes.

• Experience in tracking decision metrics and enhancing automation rates.

• Expertise in portfolio analytics, including areas such as delinquency, cohort performance, and limit utilization.

• Strong writing skills for documenting exceptions and providing executive updates.

• Background in a fast-paced fintech, corporate card, or SMB credit environment.

• Experience in contributing to automated credit decisioning engines is a preferred bonus qualification.

• Proficiency in SQL or Snowflake for self-service data analysis is a preferred bonus qualification.

🏝️ Benefits

• Competitive base salary aligned with role and experience.

• Equity opportunities available for all employees.

• Certain roles may qualify for bonuses or commissions.

• Comprehensive benefits package available at engine.com/culture.

• Flexible hybrid work model with options for office-based or fully remote work.

• Access to support and resources to excel in the role.