Credit Strategy & Decisioning Manager
On-siteSan Francisco, California, United States
Job Summary
Translate credit and underwriting policies into decision platforms and maintain accurate documentation of active decisioning flows via API sources, including tracking overrides, exceptions, and fallback logic. Monitor configured policy performance against intent and portfolio results through dashboards on approval, pull-through, and override rates, running periodic gap assessments to surface undocumented nuances. Brief senior leaders across Capital Markets, Credit Risk, Product, and Engineering on execution status, risks, and open decisions, tailoring messages to each audience's trade-offs. Maintain full version history and audit trails for every policy change to support back-testing and regulatory review, owning change-approval workflows for launching or rolling back strategy. Design, deliver, and validate A/B, champion/challenger, and shadow tests on policy changes ahead of production releases while evaluating emerging vendor solutions for pilot integrations. Prioritize configuration change requests against engineering and product capacity, exercising independent judgment on trade-offs with minimal direction.
Required Qualifications
- Exceptional attention to detail and focus on engineering quality processes, with the ability to trace details and catch discrepancies before they reach production
- Skilled at building and maintaining monitoring dashboards and translating performance data into clear, actionable insights for leadership
- Experience using with software such as SQL, Python, Databricks, Tableau, Claude/ChatGPT
- Deep understanding of credit and underwriting policy and how configuration choices translate into borrower outcomes and portfolio risk
- Strong sense of ownership over outcomes — from policy configuration through to portfolio performance with minimal need for oversight
- High integrity and sound judgment — comfortable escalating and surfacing blind spots for leadership rather than smoothing them over
- Working knowledge of loan decisioning engines including how policy rules interact with third-party data sources
- Strong program and project management skills; able to prioritize and sequence competing configuration change requests across engineering and product resourcing
- Superior written and verbal communication skills; able to communicate complex trade-offs to technical and non-technical audiences and tell a compelling story
- Collaborative and effectively engage across a wide range of stakeholders — Capital Markets, Treasury, Product, Engineering and Credit Risk
- Self-starter with strong organizational skills, comfortable owning documentation, version history, and audit trails and balancing execution speed with compliance and audit-readiness
- Comfortable designing and interpreting A/B tests, champion/challenger frameworks, and other experimentation methods on policy changes
- Ability to flex seamlessly between strategy and execution, and energized by a dynamic, fast-moving environment
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