Credit Risk Manager

We are seeking a highly analytical Credit Risk Strategy Manager to support our Captive Partner Risk Strategy team As a vital member of the team, you will establish and oversee credit strategies that align with our risk appetite and provide strategic guidance for the captive partner portfolio You will analyze origination and loan performance data to develop optimal underwriting strategies that grow Octane’s lending responsibly and enhance portfolio profitability The ideal candidate is a problem solver with strong critical thinking abilities and exceptional communication skills to articulate ideas and thought processes clearly to external partners and senior management This is a hybrid position in our NYC office Perform advanced data analytics and advise on underwriting strategies for loan origination, loan amount assignment, and loan pricing to optimize profitability Work cross‑functionally with Tech, Product, Sales, and Finance teams to implement new credit product initiatives and optimize existing credit strategies that further our mission of providing convenient point‑of‑sale financing to niche consumer products Take ownership of credit policy documentation and enhance policies and processes to mitigate credit risk exposure Design and monitor key KPIs to provide insights into the credit lifecycle Maintain quality control and validation to ensure risk processes are working as expected Collaborate with the portfolio risk team to track credit performance and take action to manage the portfolio within the organization’s risk management appetite Develop business insights and communicate proposals to C‑level audiences and external partners Benefits Medical, Dental, Vision: Generous coverage for you and your dependents Generous Parental Leave: As your family grows, ours does too 4+ Weeks of PTO: Enjoy your time off & have the encouragement to take it! Competitive 401(k): We match 100% of the first 3% you contribute and 50% of the next 2%, for a total match of up to 4% Donation Matching: Octane matches charitable gifts from employees year‑round Powersports Safety Benefit: Up to $500/year for powersport safety equipment Education Stipend: Up to $3000/year for continuing education Gympass Membership: We offer flexible memberships to thousands of gyms, studios, and apps to support your wellness journey Experience taking analyses from raw data to polished recommendations and communicating complex, technical findings to broad audiences 4+ years of experience in performing credit analysis, including experience with data visualization tools such as Tableau/Power BI Strong understanding of consumer credit and lending lifecycle Exceptional hands‑on experience with Python, SQL, and Excel Strong written and oral communication skills A Bachelor’s degree in a quantitative field such as statistics, econometrics, decision sciences, or engineering (advanced degree preferred) #J-18808-Ljbffr