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Senior Manager, Credit Risk

1 week ago
United States
Full-time
Lead
Analytics Engineer
Data Science and Analytics
SQL
Apply Now
Marqeta

Marqeta

Marqeta is a pioneer in modern card issuing and payment solutions, offering businesses instant card issuance and payment processing through their innovative open API platform.

Diversified Financial Services
251-1K
Founded 2010
View All Jobs 31

Description

  • Own end-to-end credit strategy initiatives from framework design through implementation and ongoing monitoring.
  • Build, review, and refine consumer and commercial credit card risk and pricing strategies.
  • Adjust credit card policies based on portfolio performance and risk trends.
  • Establish strategies that improve approval rates, new accounts, loss rates, and profit margin.
  • Partner with data scientists to build credit risk and cash flow models.
  • Work with product teams to develop credit stacks and data strategies using financial, bank, and third-party datasets for underwriting automation.
  • Partner with capital markets on securitization structures, warehouse lines, and forward flow deals.
  • Provide analytical support to co-brand partners, including loss forecasts and profitability analysis.
  • Draft underwriting and risk documentation and support bank partners on model validation and governance.
  • Report KPIs and risk performance to senior management regularly.
  • Serve as a risk consultant to bank partners and customers on credit strategy improvements.
  • Collaborate across Banking, Product, Finance, and Capital Markets as an internal strategic resource and external-facing advisor.
  • Lead and mentor a small team of Credit Risk Analysts, setting day-to-day priorities and supporting their development.

Requirements

  • 8+ years building credit card risk and pricing programs, ideally at a fintech, across consumer and/or commercial underwriting.
  • Proven ownership across the full credit card lifecycle, including credit policy, risk strategy, approval, line assignment, pricing, partner risk assessments, and acquisition strategy.
  • Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field.
  • Expert in Excel and SQL modeling.
  • Experience working cross-functionally with product, engineering, finance, compliance, bank partners, and capital providers.
  • Exceptional written and verbal communication skills, with the ability to translate complex credit concepts for executive, partner, and cross-functional audiences.
  • Comfortable in a build environment and able to move between strategy and execution without a large supporting team.
  • Thrives in fast-paced, dynamic settings with shifting priorities.
  • Demonstrated ability to adapt credit strategies in response to portfolio performance changes or macroeconomic conditions.

Benefits

  • Competitive base salary of $153,500-$191,900 for National, $166,200-$207,700 for Premium, or $180,600-$225,800 for Premium+ locations.
  • Annual bonuses for eligible employees.
  • Multiple health insurance options.
  • Flexible time off.
  • Retirement savings program with company contribution and after-tax contributions.
  • Equity in a publicly traded company plus an Employee Stock Purchase Program.
  • Family-forming benefits, fertility support, and up to 20 weeks of parental leave.
  • Free therapy sessions, financial and professional coaching, and legal advice.
  • Monthly remote work stipend.
  • Annual development dollars for professional growth.

Interested in this position?

Apply directly on the company website

Apply Now

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