Credit Risk Manager

🕒 vor 1 Monat

🇺🇸 Vereinigte Staaten – Remote

💵 $123.000 - $180.900 / Jahr

⏰ Vollzeit

🟡 Mittelstufe

🟠 Senior

👔 Manager

🦅 H1B-Visum-Sponsor

Dieses Unternehmen hat in der Vergangenheit H1B-Visa gesponsert.

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Marqeta

WebsiteLinkedInAlle Stellen

501 - 1000 Mitarbeiter

Gegründet 2010

💼 Beratung

📦 Logistik

💳 Fintech

💰 Post-IPO Equity im 2021-06

Consulting • Logistics • Fintech

Marqeta ist eine führende moderne Kartenplattform, die Unternehmen befähigt, umfassende Kredit- und Zahlungslösungen nahtlos in ihre Prozesse zu integrieren. Spezialisiert auf Debit-, Kredit-, Prepaid- und virtuelle Karten bietet Marqeta dynamische Ausgabenkontrollen, Just-in-Time (JIT) Finanzierung und sorgt für Compliance und Risikomanagement. Die Plattform unterstützt digitale Geldbörsen, Tokenisierung und Embedded Finance und richtet sich an Branchen wie digitales Banking, Ausgabenmanagement und On-Demand-Services. Mit seinen offenen APIs erleichtert Marqeta die Erstellung und Verwaltung von Kartenprodukten und bietet Skalierbarkeit und Flexibilität für Unternehmen, die von Start-ups bis zu globalen Unternehmen reichen.

Beschreibung

• Own end-to-end manual underwriting for new SMB and commercial card customers, using both bureau data and cash flow analysis to make credit decisions • Build, review, and refine SMB and commercial credit card risk origination strategies, including line assignment, spend controls, and account management policies • 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 commercial credit risk and cash flow models • Work with product to develop modern credit stacks and data strategies leveraging bureau, bank, and cash flow datasets, including financial statements, accounts payable, liquidity information, etc. • Manage credit lines, spend controls, and exposure across the SMB and commercial portfolio, taking proactive risk-based action on accounts as performance evolves • Build the tracking and early warning framework for the portfolio, including utilization, payment behavior, and concentration risk • 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

🎯 Anforderungen

• 5+ years building credit card risk and pricing programs, ideally at a fintech, with hands-on manual underwriting experience on SMB and/or commercial credit card products • Proven ownership across the SMB and commercial credit card lifecycle: • Manual underwriting using both bureau data and cash flow analysis, including financial statement analysis • Credit policy and risk strategy development, monitoring, and adjustment • Line assignment, spend controls, and account management strategy • Risk assessments for prospective customers • 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 • Strong financial statement, accounts payable and liquidity analysis skills for SMB and commercial entities • 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.

🏖️ Vorteile

• 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