Senior Credit Risk Manager

🕒 3 dias atrás

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $153.500 - $225.800 / ano

⏰ Tempo Integral

🟠 Sênior

👔 Gerente

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Marqeta

SiteLinkedInTodas as Vagas

501 - 1000 funcionários

Fundada em 2010

💳 Fintech

🤝 B2B

💰 Post-IPO Equity em 2021-06

Fintech • B2B • Payments

A Marqeta é uma plataforma líder em emissão de cartões modernos que capacita empresas a integrar soluções abrangentes de crédito e pagamento de forma contínua em seus processos. Especializando-se em cartões de débito, crédito, pré-pagos e virtuais, a Marqeta fornece controles de despesas dinâmicos, financiamento Just-in-Time (JIT) e garante conformidade e gerenciamento de riscos. A plataforma suporta carteiras digitais, tokenização e finanças integradas, atendendo a setores como banco digital, gestão de despesas e serviços sob demanda. Com suas APIs abertas, a Marqeta facilita a criação e gestão de produtos de cartão, oferecendo escalabilidade e flexibilidade para empresas que vão desde startups até empresas globais.

Descrição

• 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 • Proactively adjust credit card policies based on portfolio performance and risk trends • Establish strategies that directly drive KPIs: approval rates, new accounts, loss rates, profit margin, and more • Partner with data scientists to build best-in-class credit risk and cash flow models • Work with product to develop modern credit stacks and data strategies leveraging financial, bank, and third-party datasets — enabling underwriting automation at scale • 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 • 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 — recommending improvements to credit strategies • Collaborate across Banking, Product, Finance, and Capital Markets as an internal strategic resource and external-facing advisor

🎯 Requisitos

• 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: • Credit policy and risk strategy development, monitoring, and adjustment • Approval, line assignment, and pricing strategy design • Risk assessments for prospective partners • Acquisition strategy across card programs • Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field • Expert in Excel and SQL modeling • Comfortable using data to build alignment across stakeholders with competing priorities • Experience working cross-functionally with product, engineering, finance, compliance, bank partners, and capital providers • Exceptional communicator — able to translate complex credit concepts for executive, partner, and cross-functional audiences (written and verbal) • Comfortable in a build environment — moves fluidly 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

🏖️ Benefícios

• Multiple health insurance options • Flexible time off – take what you need • Retirement savings program with company contribution and after tax contributions • Equity in a publicly-traded company and 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 stipend to support our remote work model • Annual “development dollars” to support our people growth and development • Through Flex First, the freedom to live and work wherever you and your family thrive