Senior Manager, Credit Risk at Etsy

New York, United States

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$136,000 – $176,000Compensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

E-commerce, MarketplaceIndustries

Requirements

Experienced and strategic leader capable of building and leading a new Credit Risk Vertical focused on seller credit risk
Expertise in identifying, assessing, and mitigating credit risk using data analytics, behavioral patterns, and financial indicators
Strong team leadership skills, including mentoring, performance management, career development, and hiring risk analysts
Ability to develop sophisticated models, tools, and processes for risk identification and prediction of potential losses
Knowledge of designing mitigation and recovery strategies, such as tailored interventions and payment plans
Proficiency in policy and process development, ensuring compliance with internal standards and external regulations
Experience in cross-functional collaboration with teams like Fraud, Product, Engineering, Analytics, Legal, Finance, and Seller Support
Skills in defining KPIs, monitoring performance, and reporting on risk exposure, mitigation effectiveness, and financial impact
Innovative mindset for continuous learning, innovation, and fostering collaboration

Responsibilities

Define and execute the overall strategy for identifying, assessing, and mitigating credit risk for Etsy merchants
Develop a comprehensive roadmap for the Credit Risk Vertical, aligning with broader Trust & Safety and company objectives
Lead, mentor, and grow a team of risk analysts, fostering a culture of continuous learning, innovation, and collaboration
Manage team performance, career development, and hiring for the Credit Risk Vertical
Develop and implement sophisticated models, tools, and processes to identify merchants at risk of non-payment and assess creditworthiness
Design and implement effective strategies to mitigate credit risk exposure and minimize financial losses, including tailored interventions and payment plans
Collaborate with internal teams on recovery efforts for at-risk merchants
Establish clear policies, procedures, and guidelines for managing seller credit risk, ensuring compliance
Partner closely with Trust & Safety teams (e.g., Fraud, Account Integrity and Security), Product, Engineering, Analytics, Legal, Finance, and Seller Support
Define key performance indicators (KPIs) for credit risk, monitor performance, and provide regular reporting to leadership on risk exposure, mitigation effectiveness, and financial impact

Skills

Credit Risk Management

Risk Assessment

Fraud Prevention

Risk Mitigation

Data Analysis

Team Leadership

Strategy Development

Financial Modeling

Etsy

Global online marketplace for handmade goods

About Etsy

Etsy is an online marketplace that connects buyers with sellers of handmade, vintage, and unique goods. The platform allows individual artisans, crafters, and small business owners to list a variety of products, such as jewelry, clothing, home decor, and personalized gifts. Etsy's marketplace is distinct because it focuses on one-of-a-kind items that are often not available in regular retail stores. The company generates revenue through transaction fees, listing fees, and optional advertising services that sellers can use to enhance their visibility. Additionally, Etsy offers subscription packages that provide sellers with advanced tools and analytics to help them grow their businesses.

New York City, New YorkHeadquarters

2005Year Founded

$89.2MTotal Funding

IPOCompany Stage

Consumer Software, Consumer GoodsIndustries

5,001-10,000Employees

Benefits

100% paid medical, dental, and vision coverage for employees and their eligible dependents

Life, AD&D, & supplemental long-and short-term disability insurance

Matching 401(k)

Generous PTO policy

Paid sabbatical program

Charitable contribution match

Volunteer time off

Risks

Emerging marketplaces like DishDivvy could draw away Etsy's customer base.

Klarna's payment option might lead to increased consumer debt and backlash.

Increased competition from new sellers may arise due to the rise in women entrepreneurs.

Differentiation

Etsy focuses on handmade, vintage, and unique items, unlike traditional e-commerce sites.

The platform supports small business owners and artisans, fostering a creative marketplace.

Etsy's global reach connects diverse buyers and sellers of one-of-a-kind products.

Upsides

Etsy's investment in DishDivvy could diversify its marketplace offerings.

Klarna's Buy Now, Pay Later option may boost Etsy's average order values.

The rise in women entrepreneurs aligns with Etsy's focus on small business owners.

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