Credit Strategy and Analytics Manager

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New York / $225139.45 - $273818.25 annum

INFO

Salary
SALARY:

$225139.45 - $273818.25

Location

LOCATION

New York

Job Type
JOB TYPE

Permanent

Credit Risk Manager

Build, Own & Scale a High-Velocity Lending Machine

NYC | 80% Onsite

Up to $225k

If you're the kind of Credit Risk leader who sees the world in distributions, who gets a rush from beating expected loss curves, and who feels personally offended when performance drifts 15bps - this is your role.

A fast-growing, profitable consumer lending fintech (backed by top-tier investors) is hiring a Credit Risk Manager to take full ownership of approve/decline, line assignment, pricing, and loan duration strategy. This is a high-impact, highly-visible role where you will be shaping the risk engine of a business that already has strong PMF and ~$70M annualized revenue.

This is not a maintenance job. It's a build, test, break, optimize, repeat environment. If you want autonomy, intensity, and the mandate to run experiments quickly - not fight through layers of bureaucracy - you'll thrive.

What you'll own

You will directly impact portfolio profitability by:

  • Designing a risk strategy resilient enough to withstand a 100% increase in losses without margin deterioration
  • Eliminating cohort drift through rapid, targeted rule adjustments
  • Launching high-velocity experiments in approve/decline, pricing, lines, and duration
  • Generating $1M incremental gross profit in year one, $5M by year two

Who this is for

People who crush it in this environment typically come from:

  • Credit strategy roles at Capital One, Chime, Stripe, Affirm, Upstart, Nubank, Stori or similar
  • Subprime / near-prime consumer lending
  • LATAM consumer lending portfolios

You should bring:

  • Advanced SQL and complete analytical autonomy
  • Experience in non-prime or LATAM lending (required)
  • Ability to form strong opinions and defend them with data
  • Healthy paranoia - you're the type who digs 3 layers deeper when numbers look "off"
  • Executive-level communication and presence

Why join

You'll be working with founders who scaled a lending business by applying an experimentation culture. They're analytical, high-velocity operators who are building a credit product consumers love. The company is:

  • Profitable
  • Fast-growing (13% growth in November, 14% in October)
  • Well-capitalized with both equity and debt
  • A performance culture with high standards, deep trust, and zero mediocrity

If you want to own the credit box, move fast, and see your decisions impact P&L within weeks, not quarters, this is the place to do it.

Compensation

  • NYC: $175K-$225K base + competitive equity
  • Full medical/dental/vision, 401(k), extended parental leave, relocation support

If you're a top 1% performer in credit risk and want a role where your ideas become experiments and your experiments become millions in profit - DM me or apply directly.


CONTACT

Conor Larkin

Senior Manager

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