Manager, Credit Program Management

Overview

First Help Financial (FHF) is a fast-growing and culturally diverse company in the U.S. We provide auto loans to the underserved and care for our customers and partners with exceptional service. Through flexible financing options and tri-lingual support, we offer consumers an easier way to finance their first car. We lend to and support our portfolio which has consistently grown 30%+ each year over the last nine years.

Here you will find hard-working colleagues who come from over 20 countries. We hold ourselves to the highest standards of professionalism but also enjoy our work. Our culture and benefits are geared towards making you successful in life and comfortable at work.

Your

Title:

Manager, Credit Program Management

Your

Location:

Remote/Anywhere in the US

You Report To: Director, Credit Program Management

Your Compensation: A starting base salary starting at $130k or more, depending upon experience plus bonus!

Learn more about our awesome Credit Division Team!

First Help Financial, voted and certified as a “Great Place to Work” by our workforce for five years in a row, is adding a new partner to our Credit Division team to accommodate our remarkable growth! This role will report to the Director of Credit Program Management and will play a key hands-on role in designing, implementing, and continuously improving our credit programs.

This position is ideal for a technically strong, analytically driven credit professional who enjoys partnering cross-functionally and turning strategy into execution.

Your duties include, but are not limited to:

• Support the development and enhancement of next-generation credit programs, including market segment identification, competitor analysis, credit rule design, and integration of analytic models and scorecards.
• Partner closely with Technology and Data teams to support implementation of AI automation, APIs, and credit decisioning tools.
• Translate business needs into clear business requirements and contribute to project plans, timelines, and delivery milestones.
• Collaborate with operational departments (Sales, Credit, Funding, Servicing, and others) to improve program performance and customer outcomes.
• Manage and execute program initiatives from concept through launch, ensuring alignment with business objectives.
• Manage and execute decision rule engine.
• Monitor program performance using data and analytics; recommend optimizations based on results and risk trends.
• Contribute to credit policy, guidelines, and decision management frameworks across lending products.
• Prepare materials and present updates on program performance, risks, and initiatives to leadership.
• Coordinate with internal stakeholders to ensure effective communication, issue resolution, and on-time delivery of projects.
• Mentor junior team members or analysts as needed and contribute to a collaborative team culture.

• 4+ years of experience in credit program development and management, credit rule creations and implementations using advanced analytic models and technologies.
• 5+ years of experience in auto finance or other finance services/ Fintech industries. Preferred experience in non-prime space.
• Experience working closely with engineering and data teams and confidently “speak the language” of technology to support real-world system implementations.
• Proficiency in understanding and interpreting advanced analytics, ML models, and technology usage for program management.
• 2+ years of coding and/or scripting experience in SQL and Python to analyze data or support model and strategy development.
• Experience in managing decision rule engine preferred.
• Experience gathering competitor intelligence and contributing to credit risk policy and program design.
• Strong oral and written communication skills, with experience presenting to senior management.
• Highly organized with strong attention to detail and execution discipline.
• Project Management Professional (PMP)® certification is preferred.

• Great Perks – We offer generous salaries, competitive health and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave and…