Manager - Credit Risk Strategy

About the job 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 #J-18808-Ljbffr Inizio Partners Corp