Build credit into your product experience. Run it end to end with modular APIs, pre-built components, analytics, and full-service infrastructure. Backed by Pear VC.
About the role
We're looking for a Credit Risk Strategy Manager or Senior Manager to own the credit strategy for managing risk across our existing cardholder portfolio. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines how we extend additional credit, manage exposure, and optimize portfolio performance as well as ensuring the tools, data, and processes behind those decisions are best-in-class.
What they're looking for
- 5–10 years of experience in credit risk strategy, portfolio management, or underwriting at a financial institution, fintech, or payments company
- Deep expertise in consumer credit portfolio management – experience with credit line management, utilization dynamics, and loss forecasting is a plus
- Experience leveraging behavioral and bureau data to develop/optimize strategies
- Strong SQL skills and experience using analytics to build and evaluate credit strategies, track portfolio performance, and identify emerging risk patterns
- Familiarity working with credit risk models (including regression and tree-based machine learning) and decision engines in a production environment
- Excellent communication skills — you can translate complex credit tradeoffs into clear recommendations for executives, partners, and compliance teams
More about this role
At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.
We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.
We're looking for a Credit Risk Strategy Manager or Senior Manager to own the credit strategy for managing risk across our existing cardholder portfolio. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines how we extend additional credit, manage exposure, and optimize portfolio performance as well as ensuring the tools, data, and processes behind those decisions are best-in-class.
Reporting to our Head of Credit, you'll work at the intersection of data, tooling, and...
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