Credit Risk Manager

🔥 3 minutes ago

🐊 Florida – Remote

🐊 Florida – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

👻 Ghost score 12%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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iBusiness Funding

WebsiteLinkedInAll Job Openings

201 - 500 employees

💳 Fintech

💸 Finance

🤝 B2B

Fintech • Finance • B2B

iBusiness Funding is a financial services company focused on expanding access to capital for small businesses and enabling banks and lenders with Lending-as-a-Service (LaaS) tools and support. The company provides small business lending solutions and partners with financial institutions and other partners to help entrepreneurs secure funding, with an emphasis on growing clients and strengthening communities.

📋 Description

• Develop and refine credit strategies using application, offer, funding, and portfolio performance data • Optimize lending growth within approved risk appetite and credit performance targets • Identify opportunities to improve application intake, approvals, offer acceptance, closing, and funded-loan pull-through • Assess risk versus return, including expected credit losses, delinquency, defaults, pricing, profitability, and portfolio yield • Perform cohort, vintage, funnel, segmentation, and scenario analyses • Build, update, and maintain Amazon QuickSight dashboards and other BI reporting • Track applications, approvals, declines, offers, closings, fundings, and subsequent credit outcomes • Monitor credit quality trends, vintage performance, delinquency, charge-offs, loss rates, and emerging risk indicators • Partner with Data, Analytics, and Technology teams to improve data integrity, reporting definitions, dashboard automation, and risk insights • Support credit model development, validation, testing, rollout, and post-implementation performance monitoring • Translate business and credit objectives into model requirements, eligibility criteria, score cutoffs, decision rules, risk tiers, and approval strategies • Contribute to model validation, back-testing, challenger testing, segmentation reviews, and assessments of model stability and predictive performance • Establish and implement partner-specific credit models and decision strategies with embedded lending partners • Coordinate partner data requirements, model integration, testing, credit policy alignment, performance reporting, and launch readiness • Monitor partner-level credit outcomes, conversion, concentrations, and risk-adjusted economics • Support investors and warehouse lenders with credit performance analysis, portfolio trends, model performance, loss and vintage reporting, and risk-related inquiries • Partner with Capital Markets and Finance on portfolio eligibility, risk concentrations, performance discussions, due diligence, and credit reporting • Support the design, testing, and rollout of new credit products, lending channels, partner programs, and growth initiatives • Convert credit recommendations into policies, workflows, and decisioning logic with cross-functional teams • Maintain documentation of credit strategy decisions, testing, approvals, and performance • Escalate material trends and help ensure adherence to Risk team parameters and applicable lending requirements

🎯 Requirements

• Minimum 5 years of experience in credit risk, credit strategy, lending analytics, portfolio management, or a related discipline • Preferably experience in small business or commercial lending • Strong knowledge of lending funnels, underwriting decisioning, portfolio credit metrics, vintage analysis, loss performance, and risk-adjusted return measurement • Hands-on experience developing dashboards and reports using Amazon QuickSight or comparable BI platforms • Ability to interpret large datasets and translate findings into credit action • Working knowledge of credit scoring and predictive models, model validation and monitoring, score cutoffs, policy rules, and implementation into lending workflows • Ability to collaborate with Modeling, Data, Technology, Risk, Capital Markets, Operations, and external lending partners • Strong analytical problem-solving, attention to detail, written communication, and ability to present technical insights to business stakeholders • Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Analytics, Business, or a related field, or equivalent relevant experience • Optional: experience with small business or commercial credit, embedded finance, partner-originated lending, or multi-lender platforms • Optional: proficiency with BI tools, Python, SQL, and advanced Excel; familiarity with R or other analytical tools a plus • Optional: experience supporting credit model development, independent validation activities, production implementation, and ongoing monitoring • Optional: experience preparing portfolio credit performance reporting for institutional investors, warehouse lenders, or other capital providers • Optional: demonstrated success improving origination conversion and funded volume while maintaining stable credit performance and attractive risk-adjusted returns

🏖️ Benefits

• Remote work arrangement • Full-time employment

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