Cardless

Cardless

Credit Risk Strategy Manager / Senior Manager

San Francisco · Senior

Sponsorship not specified$150k-$210kDetected 203 days ago
SQLMachine LearningSparkData ScienceForecastingCommunicationUnderwriting

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odds of building a lasting career here

59Sponsors, lottery-bound
Cap-exempt (no lottery)0
Sponsors this role80
Entry-level history0
PERM / green-card track0
Lottery odds (Level IV)94
Fits your clock70

Sponsors, but it's cap-subject — you still face the weighted lottery (~61% per draw at Level IV). Good if you win; have a cap-exempt backup on your list.

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Files H-1B transfers

3 transfer filings in the last year, covering 3 workers. Median labor-condition decision: 8 days. An employer that already files transfers is one that can take over an existing H-1B.

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About the role

  • Define the logic and thresholds for credit line increases, decreases, and exposure management - balancing portfolio growth, credit risk, and customer experience
  • Work with Compliance and Legal to ensure portfolio management policies comply with ECOA, FCRA, Fair Lending, and other applicable regulations

Responsibilities

  • Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products.
  • Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own.
  • Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes.
  • Develop the strategy and implementation for new programs such as balance transfers and ongoing spend campaigns
  • Build structured feedback loops between portfolio performance and policy triggers to drive continuous refinement
  • Develop processes for loss forecasting, leading edge delinquencies, and other methods to understand future portfolio performance
  • Build and maintain automated dashboards to track key performance indicators (KPIs) around portfolio performance
  • ✈️ Team building events & happy hours
  • We're in the office at least three days a week, and most of us are there more than that, because we do our best thinking and building together in person.

Requirements

  • 5-10 years of experience in credit risk strategy, portfolio management, or underwriting at a financial institution, fintech, or payments company.

Nice to have

  • Deep expertise in consumer credit portfolio management. experience with credit line management, utilization dynamics, and loss forecasting is a plus

Compensation

  • This role has an annual starting salary range of $150,000 - $210,000 + equity + benefits (see below).
  • Actual compensation is influenced by a wide array of factors, including but not limited to skills, experience, and specific work location.

Benefits

  • We're proud to offer our team excellent benefits:
  • 💸 Meaningful Start-up equity
  • 🏥 100% health, vision & dental primary coverage
  • ➕ 75% health, vision & dental dependent coverage
  • 🚎 $250/month Commuter benefit
  • 👶 Parental leave
  • 🌴 Flexible PTO with a minimum of 15 days off per year
  • We see what could be improved, make it so, and leave every product, system, and team better than we found it.

Company info

  • We're looking for kind, humble people with high standards and low egos.
  • We're looking for someone who's genuinely excited to be there alongside the team.
  • Work together with brand partners to balance company and partner goals and share out performance and results
  • We're looking for a Credit Risk Strategy Manager or Senior Manager to own the credit strategy for managing risk across our existing cardholder portfolio.
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This listing is sourced directly from Cardless's careers page and normalized into a canonical job model.