← All roles

Credit Risk Strategy Manager / Senior Manager

Cardless· Risk
Apply on company site
San Francisco$150k - $210kFull-timePosted 6mo ago

About the role

Credit Risk Strategy Manager/Senior Manager to own credit strategy for managing risk across Cardless' existing cardholder portfolio. Focused on building the decisioning framework for extending credit, managing exposure, and optimizing portfolio performance, with data, tooling, and operational execution. Reports to Head of Credit.

Responsibilities

  • Define the logic and thresholds for credit line increases, decreases, and exposure management — balancing portfolio growth, credit risk, and customer experience
  • Develop the strategy and implementation for new programs such as balance transfers and ongoing spend campaigns
  • Build structured feedback loops between portfolio performance and policy triggers to drive continuous refinement
  • Develop processes for loss forecasting, leading edge delinquencies, and other methods to understand future portfolio performance
  • Build and maintain automated dashboards to track key performance indicators (KPIs) around portfolio performance
  • Design and execute A/B tests to evaluate new strategies, balancing product performance with customer and partner satisfaction
  • Partner with Data Science to define feature requirements, evaluate model performance, and translate model outputs into operational policy
  • Partner with engineering to build and implement new strategies such as proactive credit line increase execution and reactive credit line increase APIs
  • Work with Compliance and Legal to ensure portfolio management policies comply with ECOA, FCRA, Fair Lending, and other applicable regulations
  • Work together with brand partners to balance company and partner goals and share out performance and results
  • Work with bank partners to document, present and get approval for new policies/models

Qualifications

  • 5–10 years of experience in credit risk strategy, portfolio management, or underwriting at a financial institution, fintech, or payments company
  • Deep expertise in consumer credit portfolio management – experience with credit line management, utilization dynamics, and loss forecasting is a plus
  • Experience leveraging behavioral and bureau data to develop/optimize strategies
  • Strong SQL skills and experience using analytics to build and evaluate credit strategies, track portfolio performance, and identify emerging risk patterns
  • Familiarity working with credit risk models (including regression and tree-based machine learning) and decision engines in a production environment
  • Excellent communication skills — you can translate complex credit tradeoffs into clear recommendations for executives, partners, and compliance teams
  • Proactive, bias-to-action mindset: you ask the right questions, align stakeholders, and drive decisions forward

Skills

Required:SQLCredit risk modelingPortfolio managementCommunication

Benefits

  • Meaningful Start-up equity
  • 100% health, vision & dental primary coverage
  • 75% health, vision & dental dependent coverage
  • Catered lunches
  • $250/month Commuter benefit
  • Parental leave
  • Team building events & happy hours
  • Flexible PTO with a minimum of 15 days off per year
  • Apple equipment
  • 401k plan
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Cardless

Build credit into your product experience.

Build credit into your product experience. Run it end to end with modular APIs, pre-built components, analytics, and full-service infrastructure.

Credit card platformAPIEmbedded finance
Company profileWebsite

More open roles at Cardless