Credit Card Underwriting Manager

Job not on LinkedIn

🔥 44 minutes ago

🏄 California – Remote

🏄 California – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

📋 Underwriter

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Bakkt

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2018

₿ Crypto

💳 Fintech

🤝 B2B

Crypto • Fintech • B2B

Bakkt is a regulated digital asset infrastructure company that builds next‑generation financial plumbing to enable institutional participation in Bitcoin, tokenization, stablecoin payments, and AI-driven finance. Its offerings include Bakkt Markets — institutional-grade trading, liquidity and regulated custody with extensive U. S. licensing (including a New York BitLicense) — Bakkt Agent — an AI-driven, compliant payments and money-movement interface for banks and partners — and Bakkt Global — an international expansion and tokenization/treasury catalyst. The company emphasizes security, regulatory compliance, audited operations, and turnkey, plug‑and‑play platforms for businesses seeking to launch digital asset and payment services.

📋 Description

• Establish and drive the end-to-end credit risk management lifecycle in a de novo environment, encompassing the Credit Risk Policy framework, implementation and integration of the Loan Origination System (LOS), application quality assessment, automated and manual decisioning, and managing post-approval credit monitoring • Protect the program from credit and fraud losses, ensuring strict regulatory compliance • Manage application quality, designing automated and manual decisioning processes, owning the administration and performance of the Loan Origination Platform • Continuously monitor and update the Credit Policy buy box based on emerging market trends and performance data • Oversee model governance, including performance monitoring, recalibration, and coordinating independent model validation • Proactively monitor the performance, stability, and validity of the automated credit scoring model • Identify and mitigate complex emerging fraud trends, such as "Sleeper" fraud (synthetic identities) • Coordinate with the Operations team on Collections and report on the Delinquency Pipeline, including Early-stage collections and roll rates • Manage the relationship and technical integration with the Loan Origination System (LOS) provider and credit bureau partners

🎯 Requirements

• Proven experience in credit card underwriting and credit risk management • Demonstrated ability to manage and update Credit Risk Policy frameworks and buy boxes • Strong analytical skills for monitoring automated model performance, portfolio delinquency, and identifying emerging fraud trends • Experience with KYC and credit quality verification processes for manual application reviews • Expertise in relevant consumer credit regulations, including Reg B and FCRA • Excellent problem-solving and communication skills for working with cross-functional teams in a highly matrixed fast paced environment • Extensive experience in working with external vendors, including Loan Origination Systems, Credit Bureaus, KYC & Fraud providers.

🏖️ Benefits

• Health insurance • 401(k) matching • Paid time off • Flexible working hours