Senior Director, Credit Risk

Job not on LinkedIn

🔥 42 minutes ago

🇺🇸 United States – Remote

💵 $224.4k - $330k / year

⏰ Full Time

🟠 Senior

👔 Director

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Marqeta

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2010

💼 Consulting

📦 Logistics

💳 Fintech

💰 Post-IPO Equity on 2021-06

Consulting • Logistics • Fintech

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

• Lead Marqeta's underwriting team and develop strategy for launching and scaling successful credit programs • Scale the credit underwriting organization and establish Marqeta as a disruptive force in credit • Mentor and develop a world-class team of credit risk professionals • Drive innovation and establish best-in-class credit strategies and underwriting models • Represent Marqeta as head of underwriting and credit risk strategy with customers and partners • Collaborate with Product, Risk Operations/Servicing, Finance, and Data teams • Build relationships with external bank partners and customers • Oversee portfolio performance and account management across consumer and commercial credit programs • Build, review, and refine consumer and commercial underwriting models using statistical modeling and data science • Monitor and adjust credit policies based on performance and risk trends • Establish credit strategies for co-brand, consumer, and commercial credit card programs • Enhance underwriting and risk documentation • Work with bank partners on model validation and governance • Report KPIs to senior management and external stakeholders • Partner with Product to build modern credit stacks and data strategy using financial, bank, and third-party datasets • Represent Marqeta's credit capabilities and vision to customers and bank partners • Provide risk consulting services to bank partners and customers

🎯 Requirements

• 12-15+ years of experience in credit underwriting at major banks • Bachelor's degree or equivalent in Finance, Business, Accounting, Economics, Statistics, Math, or similar fields • Advanced statistical background; PhD in Statistics, Mathematics, or a quantitative field strongly preferred • Proven experience with co-brand credit programs • Proven experience with subprime lending • Proven experience with consumer credit cards • Proven experience with commercial credit cards • Expertise in Excel and SQL modeling • Strong programming and data analytics experience in R or Python • Experience in capital markets, including ABS, securitization, and warehouse lines, and fraud management (nice to have) • Exceptional communication skills for representing Marqeta with senior executives, customers, and partners • Ability to work in a fast-paced, dynamic environment and adapt to changing priorities

🏖️ Benefits

• Annual bonuses for eligible employees • 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 • Employee Stock Purchase Program • Family-forming benefits • Fertility support • Up to 20 weeks of Parental Leave • Free therapy sessions • Financial and professional coaching • Legal advice • Monthly stipend to support the remote work model • Annual “development dollars” to support people growth and development • Flex First freedom to live and work wherever you and your family thrive

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