Manager - Credit Risk Strategy
Inizio Partners Corp
Job Description
Job Description
Role: Manager - Credit Risk Strategy
Location: Bay Area, CA
Type: Hybrid (2-3 days in office / week)
Responsibilities:
As a Risk Strategy professional, you will design and execute data-driven financial risk and fraud strategies across money movement products. You will own the end-to-end policy lifecycle- from hypothesis and testing to deployment and performance monitoring-using large-scale data to balance risk mitigation with business growth. You will collaborate with cross-functional teams to build scalable solutions and respond to critical risk events.
- Support financial risk and fraud aspects of business initiatives, including responding to high-severity and time-sensitive risk incidents
- Apply industry knowledge, statistical modelling, and analytics to develop practical risk strategies using large-scale transactional and account-level data
- Own the full lifecycle of risk strategy and policy development: identify opportunities, define action plans, test policies, deploy to production, and monitor performance
- Build expertise across risk types in money movement products, balancing risk mitigation with business growth objectives
- Partner with Data Science, Risk Operations, Product, Data Engineering, and Analytics teams to design segmentation strategies and portfolio analyses
- Develop and implement underwriting strategies, including limits, eligibility criteria, and segmentation frameworks
- Monitor portfolio trends, including concentration risks and segment-level performance
Key Business Problems / Use Cases:
- Underwriting, credit limits, and eligibility-based decisioning
- Portfolio monitoring, including segmentation, trend analysis, and concentration risk assessment
- Financial loss forecasting and behavioral modelling using payments, card/ACH, and account-level data
- Hypothesis-driven analysis to improve risk strategies and customer outcomes
- End-to-end policy lifecycle management: design test launch monitor iterate
Candidate Profile:
- Strong experience in risk strategy, credit policy, underwriting, fraud or financial analytics
- Hands-on experience with large datasets and analytical problem-solving
- Proficiency in SQL and Python for data analysis and model implementation
- Experience in statistical modeling, forecasting, or risk analytics
- Ability to translate business problems into data-driven solutions
- Strong communication and stakeholder management skills
- Experience working in cross-functional, fast-paced environments
Preferred Qualifications:
- Bachelor's degree in quantitative fields such as Data Science, Statistics, Mathematics, Economics, Finance, or Engineering
- Master's degree in a related quantitative discipline is a plus
- Experience in financial services, fintech, or risk management domains
Vacancy posted 21 days ago
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