Manager , Credit Risk Analytics

One out of every two small businesses fails within their first five years, most often due to running out of cash. Quick Books Capital is on a mission to make a dent in that statistic, by providing small businesses access to the capital they need when they need it, leveraging the data inside Quick Books for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity.

That’s how we power prosperity.

Quick Books Capital is a nimble and high-priority business unit within Intuit that is looking to reinvent small business borrowing. We are the fastest growing SMB lending business in the market. We are looking for top talents and team members that love new challenges, cracking tough problems and working cross-functionally. If you are looking to join a fast-paced, innovative and incredibly fun team, then we encourage you to apply.

As a key leader of the Credit Risk Management team, this individual will be responsible for developing, optimizing and managing strategies for credit card risk underwriting, risk-based pricing, portfolio management, debt collections, fraud analytics and loss forecasting. This individual will effectively partner with multiple cross‑functional teams to implement and monitor strategy changes across the card product lifecycle. They will consistently seek opportunities to improve the profitability of Intuit’s card products while maintaining credit risk below guardrails.

They will partner heavily with the marketing team to identify prospects from Intuit’s vast customer base and drive customer acquisition efforts.

This is a high visibility role that presents an excellent opportunity to develop a credit card program through a rigorous test‑and‑learn agenda.

• Develop, implement and manage credit risk strategies across customer targeting, underwriting, pricing, portfolio management, collections and drive overall card profitability.
• Leverage cashflow analyses of Intuit’s Quick Books customers to enhance underwriting and overall risk management.
• Develop A/B tests to help understand credit risk/return tradeoffs using hypothesis testing frameworks.
• Develop monitoring frameworks and reporting on key performance indicators.
• Establish performance expectations and maintain accountability for variance with actuals.
• Partner with the Data Sciences team to develop and maintain models that predict multiple customer behaviors including default risk, utilization and profitability.
• Partner with Capital Markets, Product, Engineering, Compliance, Marketing and other functions to implement and monitor credit strategy changes.
• Proactively contribute innovative concepts for the creation of new financing products at Intuit.

• Bachelor’s degree in Business, Finance, Economics, Mathematics, Engineering or other quantitative disciplines or equivalent experience.
• Minimum 3 years of experience in credit risk analytics and risk management.
• Familiarity with credit scoring and modeling techniques including regression modeling, multivariate analyses and machine learning.
• Familiarity with credit data such as bureau attributes and risk scores, cash flow attributes and alternate data sources.
• Excellent analytical and problem‑solving skills with a proven track record of converting analysis insights into business recommendations.
• Exceptional verbal and written communication skills to effectively communicate complex ideas and influence audiences in decision making.
• Proficiency with analytical packages and tools such as SQL, SAS, Python, R and Tableau.

Intuit provides a competitive compensation package with a strong pay‑for‑performance rewards approach. This position will be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit®: Careers | Benefits). Pay offered is based on factors such as job‑related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.

The expected base pay range for this position is:

Bay Area, California: $147,500 – $199,500