# Credit Risk Strategy Manager / Senior Manager at Cardless

- Company: Cardless
- What the company does: 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.
- Company website: https://www.cardless.com/
- Type: Startups
- Level: Senior
- Location: San Francisco
- Work setup: On-site
- Pay: $150K to $210K base salary per year (USD)
- Posted: 2026-04-03
- Apply by: 2026-10-08
- Apply: https://jobs.ashbyhq.com/cardless/ccbe8c98-94ab-4cc3-b0d8-702ae255bfcb
- Page: https://www.1752.vc/careers/jobs/cardless-credit-risk-strategy-manager-senior-manager/

## 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

Tags: Risk