Credit Strategy Manager
$120,000–$150,000 year
Remote · United States or San Francisco, California, United States
Job Summary
Own the credit risk strategy, underwriting parameters, and ongoing optimization of new acquisition channels (affiliates, invitation-to-apply emails, paid social, display, direct mail, and instant prescreens); define targeting strategies, risk criteria, and ROI analyses in partnership with policy, data science, marketing, and finance to ensure portfolio quality and alignment with risk appetite. Build business cases linking application volume to credit outcomes, monitor channel performance, and collaborate with GMs and brand partners to balance growth with credit quality. Requires deep experience in credit strategy, strong SQL skills, and ability to drive cross-functional initiatives from concept to execution.
Required Qualifications
- 5+ years of experience in credit strategy, acquisition strategy, or risk-adjacent marketing roles, preferably in card issuers, fintech or financial services
- Strong understanding of credit card economics, including approval rates, vintage loss rates, LTV, CAC, LTV-to-CAC ratios, and contribution profit modeling
- Proven experience working cross-functionally across risk, marketing, finance, and data science to drive acquisition outcomes
- Advanced proficiency in SQL to pull and analyze data independently
- Demonstrated ability to build business cases that connect acquisition performance to credit outcomes and portfolio economics
- Familiarity with targeting models and the ability to partner with data science on model design, segmentation, and performance evaluation
- High ownership and bias for action, with a track record of launching new initiatives from concept to execution
- Strong stakeholder management and communication skills, with the ability to translate credit and financial details into clear narratives for leadership
- Test-and-learn mindset with comfort in ambiguity and iteration
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