Senior Credit Strategy Manager

The role

The Senior Credit Strategy Manager will own the credit strategy for managing risk across the existing cardholder portfolio. This role focuses on building decisioning frameworks for credit extensions, exposure management, and portfolio performance optimization.

What you will do

• Define logic and thresholds for credit line increases, decreases, and exposure management
• Develop strategy and implementation for new programs like balance transfers and spend campaigns
• Build structured feedback loops between portfolio performance and policy triggers
• Develop processes for loss forecasting and leading edge delinquencies
• Build and maintain automated dashboards to track KPIs
• Design and execute A/B tests to evaluate new strategies
• Partner with Data Science to define feature requirements and evaluate model performance
• Partner with engineering to build and implement new strategies
• Work with Compliance and Legal to ensure policies comply with regulations
• Work with brand and bank partners to balance goals and get approval for policies

Required qualifications

• 5–10 years of experience in credit risk strategy, portfolio management, or underwriting at a financial institution, fintech, or payments company
• Experience leveraging behavioral and bureau data to develop/optimize strategies
• Strong SQL skills
• Experience using analytics to build and evaluate credit strategies, track portfolio performance, and identify emerging risk patterns
• Familiarity working with credit risk models and decision engines in a production environment
• Excellent communication skills

Nice to have

• Experience with credit line management, utilization dynamics, and loss forecasting

Benefits

• Meaningful Start-up equity
• 100% health, vision & dental primary coverage
• 75% health, vision & dental dependent coverage
• Catered lunches
• $250/month Commuter benefit
• Parental leave
• Team building events & happy hours
• Flexible PTO with a minimum of 15 days off per year
• Apple equipment
• 401k plan

About the company

Cardless builds infrastructure for companies to design, build, and launch financial products. The team is over 70 people and is scaling toward profitability by year-end 2026.