Manager , Credit Risk

Manager 3, Credit Risk Job Overview

As a premier and rapidly expanding provider of small business financing within the United States, Quick Books Capital operates as a financial technology innovator under Intuit, committed to transforming the landscape of small business lending. Our primary product offerings include term loans and lines of credit, both of which are developed and evolved with a steadfast commitment to customer‑centricity. We are building a world‑class team of problem‑solvers and visionary thinkers who thrive on cross‑functional collaboration and high‑stakes challenges.

The small business lending sector has been experiencing rapid evolution with the emergence of sophisticated alternative data and methodologies. We are seeking a visionary credit leader to lead a multi‑billion dollar lending function, an individual who integrates a disciplined risk management foundation with an innovation‑first mindset. If you are a professional dedicated to driving sustainable growth and continuous evolution within a highly dynamic, pioneering, and collaborative professional environment, we would like to hear from you.

• Oversee the overall credit risk strategy development for QB Capital Direct Lending products.
• Define risk appetite, portfolio guardrails, and return thresholds aligned with business objectives.
• Drive portfolio growth while maintaining disciplined risk management and strong unit economics.
• Anticipate macroeconomic and market‑driven risks; adapt strategy proactively.

• Lead the design and evolution of underwriting strategies, segmentation, and pricing frameworks.
• Oversee credit policy, approval strategies, and line assignment methodologies.
• Guide test‑and‑learn experimentation to continuously optimize risk vs. growth tradeoffs.
• Ensure scalable, automated decisioning aligned with long‑term platform goals.

• Set the vision for portfolio analytics, including vintage performance, lifetime value, and risk‑adjusted returns.
• Partner with Data Science to prioritize and shape credit models and decision systems.
• Translate data into clear, strategic recommendations for executive stakeholders.
• Establish KPIs and reporting frameworks that drive accountability and transparency.

• Act as the primary risk partner to Product, Capital Markets, Finance, and Operations.
• Influence product roadmap decisions to embed risk‑aware design and customer segmentation.
• Support capital strategy, including investor discussions, forward flow agreements, and funding optimization.
• Align stakeholders on tradeoffs between growth, customer experience, and credit risk.

• Lead and mentor a team of credit risk analysts and managers (or build the team as the portfolio scales).
• Establish best practices in credit risk management, experimentation, and governance.
• Foster a culture of data‑driven decision‑making and continuous improvement.

• Ensure robust risk governance, including policy frameworks, model validation, and audit readiness.
• Interface with internal risk, compliance, and legal teams to meet regulatory expectations.
• Present portfolio performance, risks, and strategies to senior leadership and risk committees.

• Advanced degree (MS/PhD) in a quantitative field such as Statistics, Economics, Operations Research, Engineering, or a related discipline.
• 15+ years of experience in credit risk within lending, fintech, or financial services, with significant ownership of portfolio performance.
• 8+ years of people leadership experience, including building, managing, and developing high‑performing teams of risk analysts and/or data scientists.
• Proven track record owning credit strategy for large‑scale lending portfolios (preferably $2B+), with demonstrated impact on growth, loss performance, and profitability.
• Deep expertise in underwriting, credit policy design, and end‑to‑end portfolio risk management across the customer lifecycle.
• Strong analytical and technical skills, including hands‑on experience with SQL and data‑driven…