Credit Risk Strategy Manager

Credit Risk Strategy Manager

Location:

San Francisco Bay Area

Work Mode:
Hybrid (2-3 days/week in office)

The role will support the analysis, development and optimization of credit policies and strategies
, with a focus on underwriting, credit line / loan amount assignment, and risk-based pricing
. The individual will use analytical tools and data-driven insights to identify opportunities for profitable portfolio growth while effectively managing credit risk across the customer lifecycle.

• Assist in the analysis, development and monitoring of credit policies
  , including underwriting, line assignment and pricing strategies.
• Analyze credit and portfolio data to identify opportunities for risk-adjusted growth
  and recommend policy changes.
• Develop and optimize underwriting criteria, credit line assignment and risk-based pricing strategies
  .
• Evaluate the impact of credit policy changes through portfolio analysis, scenario testing and experiments.
• Translate credit policies and strategies into business rules using SQL and Python
  .
• Monitor key credit risk and business performance metrics and proactively identify emerging trends.
• Collaborate with Risk, Product, Technology and Operations teams to implement credit policy changes.

• 6+ Years of experience in Credit Risk
• Strong analytical skills with hands-on experience in SQL
  ; working knowledge of Python preferred.
• Experience in credit risk strategy, credit policy, underwriting or portfolio analytics within Banking / Financial Services.
• Good understanding of credit underwriting, line assignment / credit limit strategies and risk-based pricing
  .
• Ability to analyze customer, application, bureau and portfolio data to identify trends and develop credit policy recommendations
  .
• Experience in evaluating the impact of policy changes on approval rates, credit losses, profitability and portfolio growth
  .
• Understanding of credit risk concepts such as eligibility criteria, risk segmentation, cut-offs, affordability, exposure management and pricing
  .
• Ability to define and monitor relevant risk and business KPIs to measure strategy performance.
• Experience with strategy testing, scenario analysis and A/B testing is preferred.
• Knowledge of external credit data sources such as credit bureaus, FICO or similar third-party data is preferred.
• Strong problem-solving skills with the ability to translate analytical findings into actionable business recommendations
  .
• Ability to communicate and present analyses and recommendations effectively to business and risk stakeholders
  .
• Knowledge of coding best practices, data manipulation and development of reusable analytical frameworks.