Credit Risk Manager

Credit Risk ManagerThe Credit Risk Manager will play a critical role in shaping and leading Made Card's credit risk strategy across the customer lifecycle. You'll drive underwriting, pricing, segmentation, and decisioning for our credit card product while overseeing performance of the credit portfolio.This role also owns the development and tracking of credit models and will lead Made Card's Decision Science practice.What You'll DoUnderwriting & New Accounts: Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth. Deploy test and learn mechanisms. Have complete ownership of implementation of said strategies directly in the risk decision engine.Credit Policy & Segmentation: Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation.Pricing & Limits: Design pricing and credit limit frameworks to maximize risk-adjusted returns. Implement ongoing pricing and limit management strategies (penalty pricing, limit increases, reductions etc.)Model Decisioning: Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs.Portfolio Performance: Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability.Collections Strategy: Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs.Risk operations: Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans.Ideal Background2+ years of experience in consumer lending or credit risk, with a proven track record in fintech environments.Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collectionsHands-on experience with credit risk models and credit bureau data (traditional and alternative).Strong technical acumen: pull data, analyze, create KPIs, create reporting tools (Python, SQL knowledge a plus)Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders.We understand that not everyone comes from a traditional background. If you are a rockstar with a non-traditional path, we'd love to talk to you!Nice to HaveExperience in fintech, credit cards, real estate, or home services.Familiarity with compliance-heavy or regulated marketing environments.Passion for credit cards, rewards, or homeownership-related products.BenefitsBase Compensation Band: $100,000–$110,000 (determined by experience, qualifications, and location)Compensation: Competitive salary with a meaningful stake in the company via equityHealth & Well-being: We'll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefitsGrow Together: Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedbackMortgage Benefit: Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partnersPlay Together: Quarterly budgets for team and company outings. Use it for team swag, cooking classes, or team dinners!Generous Time Off: Flexible paid time off, sick days, and 11 company holidaysThroughout the interview process, please remember that emails will only be from madecard.com emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to View email address on click.appcast.io if you have any requests to verify the authenticity of an outreach.Made Card is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Made Card makes hiring decisions based solely on qualifications, merit, and business needs at the time.