Credit Risk Manager

- Develop and refine data-driven credit strategies that balance lending growth with approved risk appetite and credit performance targets.

- Analyze application intake, approvals, offers, acceptance, closing, and funded-loan conversion to identify improvement opportunities across products, channels, partners, and customer segments.

- Evaluate risk-adjusted returns using expected credit losses, delinquency, defaults, pricing, profitability, and portfolio yield, recommending credit policy and decisioning adjustments as needed.

- Conduct cohort, vintage, funnel, segmentation, and scenario analyses to test strategies, quantify trade-offs, and measure post-implementation results.

- Build, maintain, and improve Amazon Quick Sight dashboards and other BI reporting tools to support pipeline oversight, portfolio monitoring, executive decisions, and operational reviews.

- Track application and loan performance metrics, including approvals, declines, fundings, delinquency, charge-offs, loss rates, and emerging risk indicators.

- Collaborate with Data, Analytics, and Technology teams to improve data quality, reporting definitions, dashboard automation, and access to actionable insights.

- Support credit model development, validation, testing, implementation, and ongoing monitoring in collaboration with the Modeling team.

- Translate business objectives and credit requirements into model specifications, eligibility criteria, score cutoffs, decision rules, risk tiers, and approval strategies.

- Work with embedded lending partners to implement partner-specific credit models, coordinate data requirements and testing, align credit policies, and monitor performance.

- Provide investors and warehouse lenders with credit performance analysis, portfolio trends, model results, loss and vintage reporting, and responses to risk-related inquiries.

- Partner with Capital Markets and Finance on portfolio eligibility, risk concentrations, due diligence, and ongoing credit reporting.

- Support the design and rollout of new credit products, lending channels, partner programs, and growth initiatives with appropriate risk controls and monitoring.

- Work across Origination, Underwriting, Operations, Product, Risk, Compliance, and Technology to translate credit recommendations into effective policies, workflows, and decisioning logic.

- Maintain clear documentation of strategy decisions, testing, approvals, and performance, escalating material trends and supporting adherence to risk parameters and applicable lending requirements.

- At least 5 years of experience in credit risk, credit strategy, lending analytics, portfolio management, or a related discipline; experience in small business or commercial lending is preferred.

- Strong understanding of lending funnels, underwriting decisioning, portfolio credit metrics, vintage analysis, loss performance, and risk-adjusted return measurement.

- Hands-on experience developing dashboards and reports using Amazon Quick Sight or comparable business intelligence platforms.

- Ability to interpret large datasets and turn analytical findings into practical credit strategies and business recommendations.

- Working knowledge of credit scoring and predictive models, model validation and monitoring, score cutoffs, credit policy rules, and implementation within lending workflows.

- Strong analytical and problem-solving skills, attention to detail, and the ability to communicate complex technical insights clearly to business stakeholders.

- Ability to collaborate effectively with Modeling, Data, Technology, Risk, Capital Markets, Operations, and external lending partners.

- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Analytics, Business, or a…