Senior Credit Manager — Data-Driven & Automated (Remote)

Ladders; United States; Remote; USD 151,000 - 178,000; Full time

Benefits offered by this job

Equity for all employees

Hybrid work model

Comprehensive benefits package

Job summary

The Ladders client is seeking a Senior Manager, Credit to drive underwriting standards, decisioning, and automation in a fast-paced fintech environment. You will own underwriting signals, backtesting, and escalation paths, partnering with Data Science and Fraud Operations to scale from manual reviews to data-driven automation.

Remote work with flexibility for hybrid collaboration is available. You will lead a growing credit team, deliver portfolio analytics to leadership, and shape risk

Qualifications

• 8+ years of credit underwriting or credit risk experience.
• 3+ years leading a credit team and designing operating models.
• Deep expertise in commercial credit, including setting limits and interpreting financial signals.

Responsibilities

• Hold the credit team accountable to underwriting standards and decision quality expectations.
• Write and own the credit underwriting standard, defining signals and escalation paths.
• Build backtest infrastructure to analyze proposed rule changes against historical data.
• Partner with Data Science to transition from manual review to automated decisioning.
• Lead and develop the credit team, setting expectations and enhancing analytical capabilities.
• Deliver portfolio analytics to leadership, focusing on key performance metrics.
• Coordinate with Fraud Operations on application fraud signals related to underwriting.

Skills

Credit underwriting

Leadership

Automation mindset

Portfolio analytics

Commercial credit

KYB processes

Credit bureaus

Tools

Credit bureaus

Job description

The Ladders client is seeking a Senior Manager, Credit to drive underwriting standards, decisioning, and automation in a fast-paced fintech environment. You will own underwriting signals, backtesting, and escalation paths, partnering with Data Science and Fraud Operations to scale from manual reviews to data-driven automation.

Remote work with flexibility for hybrid collaboration is available. You will lead a growing credit team, deliver portfolio analytics to leadership, and shape risk