Senior Credit Risk Manager - Cards

About the role

We're looking for a Senior Credit Risk Manager to join the US Cards Credit team. This is a high-ownership role where you'll shape how we make, measure, and value credit decisions, partnering closely with data science, product, engineering, and capital markets to drive meaningful impact across the portfolio.

Our core responsibilities

• Build a high-performing credit card portfolio with ambitious growth targets and a commitment to responsible lending
• Optimize credit decisioning including who to lend to, limits to set, and rates to offer
• Define and refine credit strategies that align with evolving portfolio goals, staying ahead of economic trends and adapting accordingly
• Own the end-to-end testing ecosystem — experimentation design, implementation standards, and statistically sound result interpretation
• Build and own a monitoring & analytics suite that gives a clear, end-to-end view of credit performance and unit economics, and serves as a single source of truth for senior leadership
• Develop and own models that forecast returns, value the portfolio, and drive investor reporting
• Discover data-driven insights using Python and SQL to address key business questions
• Collaborate cross-functionally with product, engineering, data, and operations teams to implement and improve strategies
• Continuously monitor the effectiveness of credit strategies and identify areas for improvement

What you'll need to succeed

• Daily coding experience with Python and SQL
• Proven experience in credit risk strategy within finance, ideally within consumer lending
• Deep understanding of experimentation, measurement, and statistical inference (power, significance, bias, causality, guardrails)
• Strong understanding of credit performance and unit economics in lending
• Strategic thinking and ability to translate complex data into clear, actionable decisions
• Results-focused mindset balancing business and customer needs
• Collaborative, growth mindset and willingness to challenge your own assumptions
• Strong sense of ownership and proactive problem-solving attitude

Interview process

• Call with a recruiter (30 minutes)
• Cognitive Test (15 Minutes)
• Take-home coding exercise + Task debrief (60 minutes)
• Case study interview (60 minutes)
• Culture-add interview (30 minutes)

Compensation

US$175,000 - US$250,000 per year Offers Equity

About Lendable

Lendable is on a mission to build the world's best technology to help people get credit and save money.

• Founded in 2014
• Profitable since 2017
• Unicorn in 2021
• Backed by Balderton, Goldman Sachs and Ontario Teachers' Pension Plan
• Loved by customers & employees with top reviews on Glassdoor and Trustpilot

So far, we’ve rebuilt the big three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do. We’re going after the two biggest Western markets (UK and US) where trillions are held by big banks with dated systems and painful processes.

Life at Lendable

• The opportunity to scale up one of the world’s most successful fintech companies.
• Best-in-class compensation including equity.
• You canwork from home every Monday and Friday if you wish - on the other days, we all come together IRL to be together, build and exchange ideas.
• 401k plan and medical insurance(optical + dental covered)

Check out our Glassdoor Reviews