Senior Manager, Credit & Risk, Consumer Financing

📋 Description

• Design underwriting policies balancing growth and portfolio performance.
• Own credit decisioning logic, exceptions, and reviews; tighten as we learn.
• Partner with Product/Engineering to auto adjudication policies in customer flows.
• Develop risk-based pricing strategies aligned with economics.
• Monitor approval mix and margins; adjust pricing and terms for targets.
• Build portfolio analytics framework: delinquency tracking, roll rates, losses.

🎯 Requirements

• 6–10+ years in credit risk, underwriting, portfolio mgmt, or analytics (consumer lending).
• Strong credit policy development and risk-based decisioning.
• Translate analytics into policy and operational changes.
• Quantitative/analytical skills; comfortable with large datasets and monitoring (AI).
• Ownership-minded; thrives in ambiguity; proactive builder.
• Nice to have: non-prime auto lending, fraud/identity risk, or alternative data.

🎁 Benefits

• Equity incentives
• Comprehensive healthcare, dental, vision, life insurance starting day 1
• Growth and development opportunities