Senior Manager, Credit Risk

United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Candidates must have 7+ years of hands-on experience in a data analytics role, preferably within financial services. A Bachelor's degree in a quantitative discipline such as Statistics, Economics, Operations Research, Mathematics, Computer Science, or Engineering is required, with an advanced degree being preferred. Strong proficiency in SQL, Python (including Pandas and Numpy), Tableau reporting, advanced Excel skills, and Chaid decision trees (Knowledge seeker or R) is essential. Experience working with bureau attributes, proprietary model scores, and feature engineering is also necessary, along with a detail-oriented approach and strong analytical skills.

Responsibilities

The Senior Manager, Credit Risk will lead the credit risk management function for Personal Loan and drive strategic risk initiatives. This includes developing data-driven credit risk strategies, pricing, loan amount, and offer strategy frameworks, as well as managing complex portfolios. The role involves engaging with executive leadership to ensure sound credit decision-making and support business growth. Responsibilities include managing credit risk projects from conception to deployment, tracking A/B test results, extracting insights for product development, risk mitigation, and customer strategy, analyzing large datasets using SQL and Python, evaluating customer and third-party data to enhance features, collaborating with data engineering and analytics teams on feature engineering processes, staying updated on data science and fintech trends, and collaborating with cross-functional teams on data-driven strategies.

Skills

Credit Risk Management

Data-driven Strategy Development

Pricing Strategy

Loan Amount Strategy

Offer Strategy

Portfolio Management

Risk Analysis

Financial Services

Fintech

Upgrade

Provides loans, credit cards, and rewards

About Upgrade

Upgrade offers personal loans, credit cards, and rewards checking accounts to help individuals manage their finances. Their personal loans allow borrowing up to $50,000 with fixed rates and no prepayment penalties, while the Upgrade Card provides cash back rewards on various spending categories. What makes Upgrade different is its focus on affordability and user-friendly features, attracting customers looking for flexible credit solutions. The company's goal is to promote responsible financial behavior and long-term financial health through accessible credit options.

San Francisco, CaliforniaHeadquarters

2016Year Founded

$532.1MTotal Funding

SERIES_FCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) Company Match

Unlimited Paid Time Off

Paid Parental Leave

Health & wellness initiatives

Risks

Expansion into auto loans increases exposure to credit risk.

Crowded BNPL market may pressure margins for Uplift acquisition.

Investment in new office space may strain resources if growth falters.

Differentiation

Upgrade offers a unique blend of credit and banking products.

The Secured OneCard targets consumers with little or no credit history.

Partnership with FairPlay enhances fairness in lending practices.

Upsides

Expansion into auto loans diversifies Upgrade's product offerings.

Acquisition of Uplift strengthens Upgrade's position in travel financing.

Partnership with Finturf enhances home improvement financing options.

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