Consumer Credit Lead - Cards

We're looking for a senior credit risk leader to help build and scale the underwriting strategy for our new consumer charge card. You'll take an initial strategic direction and turn it into a scalable, data-driven underwriting program, then monitor, refine, and evolve that strategy post-launch.

As the portfolio grows, this role is expected to evolve into team leadership. You'll play a key role in shaping how risk decisions translate into customer experience, product growth, and long-term portfolio performance.

Key responsibilities include:

• Building and operationalizing the credit strategy
• Translating underwriting vision into formal credit policy and decision frameworks
• Defining approval logic, segmentation strategy, and limit-setting methodology
• Establishing portfolio guardrails aligned to loss targets and unit economics
• Designing account management strategies across the customer lifecycle
• Developing early portfolio management approaches including exposure adjustments, servicing strategies, and input into collections processes as the portfolio matures
• Defining portfolio monitoring frameworks and escalation triggers for emerging credit risk trends

• Building the data-driven risk engine
• Implementing credit policy in our underwriting platform
• Evaluating and integrating key data sources (bureau, income, debt signals)
• Ensuring decision logic is structured, testable, and scalable
• Partnering with Engineering and Data to build monitoring and feedback loops

• Owning portfolio performance post-launch
• Defining and tracking core KPIs (approval rate, early delinquency, loss rate, exposure, utilization, etc.)
• Monitoring vintage performance and segment behavior
• Recommending and implementing strategy adjustments based on observed risk trends
• Presenting risk performance, insights, and recommendations to senior leadership

• Driving data-informed risk and growth decisions
• Using SQL to independently evaluate underwriting decisions and trade-offs
• Analyzing drivers of credit performance and portfolio outcomes
• Partnering with Finance on forecasting and risk-adjusted economics

• Driving cross-functional execution
• Partnering with Compliance to ensure the underwriting program is well-documented and built to scale
• Working with Partnerships, Procurement, and Legal on evaluating and onboarding credit data providers
• Supporting broader risk initiatives across our business charge card portfolio during the build phase

Requirements include:

• 6+ years of experience in consumer credit risk
• Experience launching or materially redesigning a consumer lending product
• Experience implementing credit policy within a decisioning or underwriting platform is strongly preferred
• Demonstrated experience owning risk strategy and monitoring portfolio performance
• Deep familiarity with bureau data and core credit risk metrics (approval rate, loss rate, vintage curves, etc.)
• Experience presenting risk insights and strategy recommendations to senior stakeholders
• Experience translating policy into production decision logic
• Strong SQL skills and comfort working directly with data
• Comfortable building in ambiguity and operating in a 0→1 environment

Total rewards package includes base salary, equity, and benefits. Salary and equity ranges are highly competitive within the SaaS and fintech industry.