Engagement Manager - Credit Risk Strategy

Business Analytics-Risk Analytics

Job Location: SF Bay Area

Work Mode: Hybrid (2-3 days/week in office)

Salary Range: $150K - $170K/Year Base plus Annual Bonus

The posted range is the hiring range for this role — a subset of the broader range available to employees over time — and reflects base salary across our national hiring scale. Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position. The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process.

As a Senior Risk Strategy Leader, you will lead the design and execution of enterprise-scale, data-driven financial risk and fraud strategies across money movement products. You will own strategic risk policy direction and oversee the end-to-end policy lifecycle — from opportunity identification and hypothesis development to testing, deployment, monitoring, and optimization — leveraging large-scale data to balance risk mitigation, customer experience, and sustainable business growth. You will serve as a strategic partner to senior leadership and collaborate cross-functionally to drive scalable risk solutions and respond to critical business and risk events.

Responsibilities

• Lead the development and execution of financial risk and fraud strategies supporting key business initiatives and rapidly evolving risk environments
• Provide strategic oversight during high-severity and time-sensitive risk incidents, driving coordinated response and mitigation actions
• Leverage advanced analytics, statistical modelling, and deep domain expertise to design scalable risk frameworks using large-scale transactional and account-level data
• Own and optimize the end-to-end risk strategy and policy lifecycle: opportunity identification, strategy design, experimentation, deployment, governance, monitoring, and continuous improvement
• Drive portfolio-level risk management strategies across underwriting, fraud, credit, and money movement products while balancing risk, growth, and customer experience objectives
• Partner with senior stakeholders across Data Science, Risk Operations, Product, Engineering, Finance, Compliance, and Analytics teams to influence strategic decisions and business outcomes
• Lead segmentation strategy development, portfolio analytics, and performance deep dives to identify emerging risks and growth opportunities
• Design and refine underwriting frameworks, credit limits, eligibility policies, and customer risk segmentation strategies
• Establish scalable monitoring frameworks and governance processes to proactively manage portfolio trends, concentration risks, and segment-level performance
• Drive hypothesis-led innovation and experimentation to improve approval rates, reduce losses, and enhance operational efficiency
• Mentor and guide junior analysts and strategy team members, fostering analytical excellence and strategic thinking across the organization
• Communicate complex analytical insights and strategic recommendations effectively to executive leadership and cross-functional stakeholders

Key Business Problems / Use Cases:

• Enterprise-scale underwriting, credit policy, and eligibility strategy optimization
• Portfolio risk management, concentration risk assessment, and performance monitoring across customer segments
• Fraud strategy design and money movement risk mitigation across payment ecosystems
• Financial loss forecasting, behavioral modelling, and risk-adjusted growth optimization using payments, card/ACH, and account-level data
• Hypothesis-driven strategy development and experimentation to improve customer outcomes and portfolio profitability
• End-to-end risk policy lifecycle management: strategy design → experimentation → deployment → governance → optimization
• Scenario modelling and impact assessment for new products, market expansions, and policy changes
• Cross-functional strategic planning to balance growth, operational efficiency, compliance, and risk exposure

Qualifications

Candidate Profile:

• Extensive experience in risk strategy, credit policy, underwriting, fraud strategy, or financial analytics within financial services or fintech environments
• Proven track record of leading large-scale analytical initiatives and influencing strategic business decisions
• Strong expertise in leveraging large datasets and advanced analytical techniques to solve complex business and risk problems
• Advanced proficiency in SQL and Python for analytics, modelling, and strategy implementation
• Deep experience in statistical modelling, forecasting, risk analytics, and experimental design
• Strong business acumen with the ability to translate complex analytical insights into actionable strategic recommendations
• Excellent executive communication, stakeholder management, and cross-functional leadership skills
• Experience operating in fast-paced, high-growth, and highly regulated environments
• Demonstrated ability to mentor teams, drive collaboration, and influence senior leadership

Preferred Qualifications:

• Bachelor's degree in quantitative fields such as Data Science, Statistics, Mathematics, Economics, Finance, or Engineering
• Master's degree or MBA in a quantitative or business discipline preferred
• Experience in financial services, fintech, banking, payments, or risk management domains
• Exposure to money movement products, payment ecosystems, fraud operations, or lending platforms
• Experience building scalable risk frameworks, governance models, and automated decisioning systems
• Familiarity with modern data platforms, BI tools, and large-scale experimentation frameworks

Required Skills

• Conflict Management
• Data Architecture
• Displaying Visionary Thinking
• Emotional Intelligence Training
• Strategic Growth