Senior Manager – Credit Risk

Senior Manager – Credit Risk

Requirements

• 6+ years of management experience in standing up successful new underwriting for credit / liquidity products in digital and start up environments
• Deep knowledge and experience of underwriting and credit management domains including cash flow and credit data based underwriting, credit and banking data environments, successful underwriting / offer principles that balance revenue and risk, experiment design related to credit, customer behavior, risk modeling and ongoing portfolio management processes
• Demonstrated competencies and capabilities in credit risk analytics across the lifecycle for different products including technical skills in SQL, Python and other modeling tools
• Masters or Undergraduate degree with a quantitative concentration
• Exceptional written and oral communication skills.
• Strong people leader and collaborator.
• Able to handle competing priorities and influence leadership decision-making

Responsibilities

• Develop strategy and roadmap for underwriting of products; drive continuous improvement of existing products to achieve business objectives
• As an individual contributor, frame the credit product design, approach to underwriting analysis and modeling from beginning to end and simulate, iterate, validate the credit underwriting, offer terms
• Be a hands-on leader that works with data analysts, cross-functionally and with external vendors to design, test, deliver, and monitor new underwriting and ongoing account management for our credit/ liquidity products including Paycheck Advance, Credit Card and Personal Loans
• Work closely with internal stakeholders including: Finance to ensure a well-managed process for provisioning, true-up and release of loss allowances; Finance for funding strategy and execution; Legal/compliance for regulatory requirements
• Interface with Bank partners on risk related agenda and processes

Preferred Qualifications

• Credit Risk strategist – Has experience in credit risk domain throughout the lifecycle of credit and liquidity products
• Critical thinker – consider problems from all angles to remove bias and touch bottom on key assumptions
• Creative problem-solver – able to find creative solutions that finds win win across constraints and objectives
• Results-oriented – You ground contributions in real business and customer impact and prioritize effectively to maximize speed-to-impact.
• Fast learner – you have no problem picking up new skills or tools to get the job done.
• Intellectually curious – seek to understand the why behind the numbers and love nerding out over a new insight
• Exceptional written and oral communication skills. You drive alignment through grounded arguments, interpersonal skills, and negotiation skills.
• Thrive when working in a fast-moving, ambiguous environment
• Excited by large breadth of problem areas