Credit Risk Manager

🕒 June 10

🇺🇸 United States – Remote

💵 $123k - $180.9k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

🦅 H1B Visa Sponsor

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Marqeta

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2010

💳 Fintech

🤝 B2B

💰 Post-IPO Equity on 2021-06

Fintech • B2B • Payments

Marqeta is a leading modern card issuing platform that empowers businesses to integrate comprehensive credit and payment solutions seamlessly into their processes. Specializing in debit, credit, prepaid, and virtual cards, Marqeta provides dynamic spend controls, Just-in-Time (JIT) funding, and ensures compliance and risk management. The platform supports digital wallets, tokenization, and embedded finance, catering to industries such as digital banking, expense management, and on-demand services. With its open APIs, Marqeta facilitates the creation and management of card products, offering scalability and flexibility for enterprises ranging from startups to global companies.

📋 Description

• 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

🎯 Requirements

• 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.

🏖️ Benefits

• 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