Credit Strategy Manager

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Imprint

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201 - 500 Mitarbeiter

💼 Beratung

📣 Marketing

💸 Finanzen

Consulting • Marketing • Finance

Imprint ist ein Technologieunternehmen, das sich auf die Entwicklung von Co-Branding-Finanzprodukten wie maßgeschneiderten Kreditkarten, Einlagenkonten und Ratenkrediten spezialisiert hat. Ihre Plattform ermöglicht eine tiefgreifende Anpassung, sodass ikonische Marken wie Turkish Airlines, Brooks Brothers und H-E-B die Benutzerbindung erhöhen, das Kundenengagement steigern und das Benutzerverhalten effektiver verstehen können. Imprint legt großen Wert darauf, jeder Marke ein maßgeschneidertes Erlebnis zu bieten und wird für schnelle, zuverlässige und personalisierte Finanzlösungen anerkannt.

Beschreibung

• Own the credit risk strategy, underwriting parameters, and ongoing optimization of new acquisition channels, including affiliates (Credit Karma, NerdWallet, Doctor Of Credit), invitation-to-apply emails, paid social, display, direct mail, and instant prescreens • Define targeting strategies and risk criteria for each channel in partnership with credit policy, risk, data science, and marketing teams, ensuring acquisition quality meets portfolio standards • Partner with data science and credit risk to influence targeting models, evaluate credit performance by channel, and refine acquisition criteria based on early portfolio signals • Build business cases and ROI analyses that connect application volume to credit outcomes, including approval rates, expected losses, contribution profit, LTV, CAC, and LTV-to-CAC ratios • Monitor channel-level credit performance post-launch, identifying early warning signals and adjusting targeting or risk parameters as needed • Partner with finance to ensure acquisition strategies remain within LTV-to-CAC thresholds and align with Imprint's operating plan and loss budgets • Collaborate with GMs and brand partners to design channel strategies that balance partner growth goals with credit quality expectations • Pull and analyze data independently using SQL to build data cohorts, diagnose performance, evaluate credit quality by channel, and inform strategy • Manage stakeholder alignment across risk, credit policy, marketing, finance, and data science to ensure clarity, speed, and accountability • Establish a test-and-learn cadence for channel experimentation, with structured readouts on both acquisition metrics and credit performance

🎯 Anforderungen

• 5+ years of experience in credit strategy, acquisition strategy, or risk-adjacent marketing roles, preferably in card issuers, fintech or financial services • Strong understanding of credit card economics, including approval rates, vintage loss rates, LTV, CAC, LTV-to-CAC ratios, and contribution profit modeling • Proven experience working cross-functionally across risk, marketing, finance, and data science to drive acquisition outcomes • Advanced proficiency in SQL to pull and analyze data independently • Demonstrated ability to build business cases that connect acquisition performance to credit outcomes and portfolio economics • Familiarity with targeting models and the ability to partner with data science on model design, segmentation, and performance evaluation • High ownership and bias for action, with a track record of launching new initiatives from concept to execution • Strong stakeholder management and communication skills, with the ability to translate credit and financial details into clear narratives for leadership • Test-and-learn mindset with comfort in ambiguity and iteration

🏖️ Vorteile

• Competitive compensation and equity packages • Leading configured work computers of your choice • Flexible paid time off • Fully covered, high-quality healthcare, including fully covered dependent coverage • Additional health coverage includes access to One Medical and the option to enroll in an FSA • 20 weeks of paid parental leave for the primary caregiver and 8 weeks for all new parents • Access to industry-leading technology across all of our business units, stemming from our philosophy that we should invest in resources for our team that foster innovation, optimization, and productivity