Senior Manager, Credit Strategy

At Remitly, we believe everyone deserves the freedom to access, move, and manage their money wherever life takes them. Since 2011, we've tirelessly delivered on our promise to customers sending money globally, providing secure, simple, and reliable ways to manage their money, ensuring true peace of mind. Whether it's supporting loved ones back home, growing a business across continents, or pursuing new opportunities abroad, we're not just here to move money— we're here to move our global customers forward.

We're looking for builders, reimaginers, and global thinkers who want to work at the intersection of technology, trust, and transformation. If that's you and you're ready to do the most meaningful work of your career—we invite you to join over 2,800 passionate Remitlians worldwide who are united by our vision to transform lives with trusted financial services that transcend borders.

We are looking for a Head of Credit Strategy - Lending that will shape Remitly's lending strategy and manage credit risk while delivering outstanding customer value. You will own the definition of our credit underwriting strategies across customer acquisitions and management for our liquidity and borrowing solutions, and their financial assessment. You will build and scale our credit risk analytics capability — including AI/ML-based underwriting, real-time portfolio monitoring, and collections strategy — with the goal of maximizing integrated customer LTV for Remitly while keeping risk-adjusted performance under control.

You will operate in a collaborative environment, solving a rich set of challenges with internal and external partners, and embedding governance and compliance into every step. You will have the opportunity to bring and continue building your credit analytics experience, while expanding your horizon with Remitly's global focus and its mission to serve underserved markets.

• Develop and iteratively refine customer risk segmentation, underwriting policy, line assignment and line management strategies for lending products, utilizing data-driven insights and prudent judgement.
• Own credit policy for new lending products.
• Ensure optimal outcomes on customer value, customer experience and business profitability, while fulfilling all regulatory requirements.
• Lead iterative development of underwriting and pricing models — from evaluating AI/ML algorithms and sourcing alternative data (e.g., transactional, behavioral) to production deployment and continuous optimization with cross-functional partners — to boost predictive accuracy and credit access for underserved segments.
• Define and drive organizational alignment on the vision, multi-year learning agenda and roadmap for our credit underwriting strategies and risk infrastructure capabilities.
• Collaborate with Product, Marketing and Engineering on conceptualizing new products, designing MVP and planning scaling campaigns, with a strong focus on driving economic viability and sustainability.
• Define and own key performance assumptions and KPIs needed to drive the desired risk outcomes, economic returns and resilience of lending products.
• Build and own LTV and NPV models capturing cost and revenue drivers, including integrated value of customers to Remitly, and own the assumptions and predictions underlying them.
• Architect real-time monitoring frameworks and automated alerting for portfolio health, key risk indicators (KRIs), concentration exposure, and collections performance.
• Establish robust monitoring and reporting routines to manage credit risk, and ensure proactive risk identification for new products, markets, or customer segments.
• Employ predictive analytics to improve collections strategy, focusing on customer outcomes and recovery efficiency.
• Proactively undertake data analysis to bring portfolio and product performance insights and inform future strategies.
• Present findings and action recommendations to cross-functional stakeholders, secure alignment and drive execution.
• Develop and implement credit risk governance processes, including Credit Committees, actionable reporting, and escalation protocols.
• Ensure models and analytics pipelines are auditable, scalable, deployment-ready, and aligned with best practices.
• Partner with Decision Sciences to develop, launch, and monitor credit decisioning models and advanced segmentation strategies.
• Guide the development of AI agents to support credit risk analytics.
• Evaluate new data sources and new…