Engagement Manager - Credit Risk Strategy

Location:

New York | Frisco/Dallas, TX | San Francisco – (flexibility to go into the client office at least once a week)

• Own a portfolio. Own an assigned consumer lending portfolio (personal loans, credit card, student loan refinance) - monitor risk and performance and recommend strategy enhancements.
• Build strategies. Develop and implement underwriting, line/loan-amount, pre-screen, and risk-tier strategies aligned to the client's risk appetite.
• Analyze hands‑on. Use SQL and Python to analyze large datasets and identify drivers of losses, approvals, and profitability.
• Test and optimize. Run champion/challenger and A/B tests to improve approval, pricing, and limit strategies - balancing risk, revenue, and customer experience.
• Leverage data. Use internal, bureau, third‑party, and alternative/cash‑flow data to strengthen decisioning.
• Govern fairly. Conduct fair lending testing and ensure alignment with client policies and regulatory requirements.
• Partner broadly. Collaborate across Business, Operations, Marketing, Finance, Product, Engineering, Legal, and Compliance to deploy strategies accurately.
• Communicate clearly. Translate analyses into crisp insights and presentations for client stakeholders and leadership.

• Bachelor's in quantitative discipline (Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, or related);
  Master's preferred.
• 6+ years in credit risk, credit strategy, or risk analytics - ideally in consumer lending (banking, fintech, or analytics consulting).
• Strong hands‑on SQL and Python skills for data extraction, manipulation, and analysis.
• Working knowledge of decision trees / segmentation and credit lifecycle concepts (underwriting, roll rates, vintage analysis).
• Demonstrated experience owning or developing credit strategies and monitoring portfolio performance.
• Strong problem‑solving skills and the ability to turn data into actionable, business‑facing recommendations.
• Excellent communication and stakeholder‑management skills - comfortable operating as an embedded consultant.

• Personal loan or credit card credit risk experience.
• Experience with alternative/cash‑flow data, scorecard development, or decision engines.
• Exposure to visualization tools (Tableau / Power BI) and version control (Git).
• Prior client‑facing or consulting experience.