Credit Risk Strategy Lead for Growth & Policy

Inizio Partners Corp; San Francisco (CA); Hybrid; USD 130,000 - 190,000; Full time

Job summary

Inizio Partners Corp in the San Francisco Bay Area seeks a Credit Risk Strategy Manager to lead analysis, development and optimization of credit policies and strategies, focusing on underwriting, credit line assignment and risk-based pricing.

You will analyze portfolio data to drive risk-adjusted growth while managing credit risk, translating findings into actionable recommendations and collaborating with Risk, Product, Technology and Operations teams.

Qualifications

• 6+ years of experience in credit risk.
• Strong analytical skills with hands-on SQL; Python preferred.
• Experience in credit risk strategy, policy, underwriting or portfolio analytics.
• Underwriting, line assignment and risk-based pricing knowledge.
• Ability to analyze data to identify trends and develop credit policy recommendations.
• Experience evaluating policy changes on approval rates and profitability.
• Knowledge of risk concepts: eligibility, risk segmentation, pricing.
• Define and monitor risk and business KPIs to measure strategy performance.
• Experience with strategy testing, scenario analysis and A/B testing.
• Knowledge of external credit data sources (credit bureaus, FICO).
• Translate findings into actionable business recommendations.
• Communicate analyses to business and risk stakeholders.
• Knowledge of coding best practices and reusable analytical frameworks.

Responsibilities

• Assist in analysis, development and monitoring of credit policies, including underwriting, line assignment and pricing strategies.
• Analyze credit and portfolio data to identify opportunities for risk-adjusted growth and policy changes.
• Develop and optimize underwriting criteria, credit line assignment and risk-based pricing strategies.
• Evaluate impact of credit policy changes through portfolio analysis, scenario testing and experiments.
• Translate credit policies and strategies into business rules using SQL and Python.
• Monitor key credit risk and business performance metrics; identify emerging trends.
• Collaborate with Risk, Product, Technology and Operations teams to implement policy changes.

Skills

SQL

Python

Credit risk

Portfolio analytics

Data analysis

Risk-based pricing

Policy development

Analytical thinking

Stakeholder communication

A/B testing

Job description

Inizio Partners Corp in the San Francisco Bay Area seeks a Credit Risk Strategy Manager to lead analysis, development and optimization of credit policies and strategies, focusing on underwriting, credit line assignment and risk-based pricing.

You will analyze portfolio data to drive risk-adjusted growth while managing credit risk, translating findings into actionable recommendations and collaborating with Risk, Product, Technology and Operations teams.