Credit Risk Manager

iBusiness Funding is a leading provider of lending solutions for banks and lenders of all sizes, specializing in Small Business Lending including - Conventional, SBA and government-guaranteed lending programs. The company is dedicated to streamlining the business lending process and enabling lenders to efficiently deliver capital to small- and medium-sized businesses.

To date, we have processed more than $11 billion in SBA and non-SBA volume and handle more than 1,000 business loan applications daily through a tech enabled platform that provides a key advantage alongside our best-in-class team. Our team is driven by our core values of innovation, integrity, enjoyment, and family.

Join us and be part of a team that is transforming the finance industry and empowering businesses to thrive.

The Credit Risk Manager will develop, implement, and monitor data-driven credit strategies that support iBusiness Funding's lending growth while maintaining credit performance within risk parameters established by the Risk team. This individual will analyze origination, pipeline, and portfolio data to identify opportunities to improve application intake, approval quality, and funding pull-through while continuously evaluating risk-adjusted returns.

The role will own and enhance business intelligence reporting for pipeline and credit performance, including dashboards built in Amazon Quick Sight and other BI tools. Working closely with Credit Risk, Modeling, Analytics, Product, Operations, and Technology, the Credit Risk Manager will translate insights into credit policy, decision rules, model implementation, and ongoing monitoring. This individual will also work directly with embedded lending partners to implement partner-specific credit models, support investors and warehouse lenders with credit performance reporting, and help launch new lending products and channels.

The ideal candidate combines strong analytical and technical skills with sound credit judgment and a commercial approach to profitable growth.

Develop and refine credit strategies using application, offer, funding, and portfolio performance data to optimize growth within approved risk appetite and agreed-upon credit performance targets. Identify opportunities to improve application intake, approvals, offer acceptance, closing, and funded-loan pull-through by segment, channel, product, and lending partner. Continuously assess risk versus return, including expected credit losses, delinquency, defaults, pricing, profitability, and portfolio yield;

recommend appropriate adjustments to credit policy and decisioning. Perform cohort, vintage, funnel, segmentation, and scenario analyses to test credit strategies, quantify tradeoffs, and measure results following implementation.

Build, update, and maintain Amazon Quick Sight dashboards and other BI reporting to support pipeline oversight, credit monitoring, executive decisions, and operating reviews. Track applications, approvals, declines, offers, closings, fundings, and subsequent credit outcomes by loan size, product, channel, partner, model, and credit segment. Monitor credit quality trends, vintage performance, delinquency, charge-offs, loss rates, and emerging risk indicators; investigate adverse movements and propose corrective actions.

Partner with Data, Analytics, and Technology teams to improve data integrity, reporting definitions, dashboard automation, and accessibility of actionable risk insights.

Support the Modeling team with…