Cardless
Credit Risk Strategy Manager / Senior Manager
San Francisco · Senior
Sponsorship not specified$150k-$210kDetected 110 days ago
SQLMachine LearningData ScienceForecastingCommunicationUnderwriting
About the role
- We've launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways.
- We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.
- We value curiosity, humility, and intensity - we move fast and take ownership.
Responsibilities
- you ask the right questions, align stakeholders, and drive decisions forward.
- ✈️ Team building events & happy hours
- 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
- Design and execute A/B tests to evaluate new strategies, balancing product performance with customer and partner satisfaction
- Partner with Data Science to define feature requirements, evaluate model performance, and translate model outputs into operational policy
- Partner with engineering to build and implement new strategies such as proactive credit line increase execution and reactive credit line increase APIs
- Work together with brand partners to balance company and partner goals and share out performance and results
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 offer additional benefits to those who do, and relocation assistance to those who'd like to.
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This listing is sourced directly from Cardless's careers page and normalized into a canonical job model.