Risk Manager - Overdraft

April 20

Apply Now

Get a free AI resume review

ONE

WebsiteLinkedInAll Job Openings

Helping people save and grow their money.

201 - 500

Description

• As a Risk Manager, your role entails utilizing advanced data extraction and analytics tools to manage and analyze complex datasets, extracting actionable insights crucial for crafting a mission-oriented credit strategy. Your duties encompass the full spectrum of the credit lifecycle, extending from acquisition to portfolio management and collections. You will address a variety of product lines, such as overdraft lines for demand deposit accounts, closed-end lending products, credit builder loans, and more. You will work closely with cross-functional teams including Product, Operations, Fraud, Data Science, and Engineering teams to ensure a holistic and effective approach to credit risk management. • This role is responsible for: • Developing and implementing credit strategies based on analytics (e.g. SQL, Python) and strategic long-term thinking. • Owning the full lifecycle of credit policy changes from ideation through execution. • Monitoring consumer loan performance to constantly innovate and improve credit policy. • Ensuring loan portfolios meet the company's risk tolerance. • Ensuring adherence to various aspects of risk compliance requirements across the credit lifecycle through essential detective control reporting. • Additional duties as assigned by your manager.

Requirements

• Mid Career (5-10 Years). • An act-like-an-owner mentality. We have a bias toward taking action. • Prior experience in credit strategy at a consumer fintech or bank. • Prior experience in managing overdraft lines for digital bank demand deposit accounts and short-term cash advance products. • Strong communication skills to influence business decisions. • Be a thought leader and inspire others in thought leadership. • Participate in day-to-day activities of the business.

Benefits

• Competitive cash - we don’t discount based on location • Benefits effective on day one • Early access to a high potential, high growth fintech • Generous stock option packages in an early-stage startup • Remote friendly (anywhere in the US) and office friendly - you pick the schedule • Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave • 401(k) plan with match