Senior Credit Risk & Pricing Leader (Remote)

Marqeta, Inc.; United States; Remote; USD 154,000 - 192,000; Full time

Benefits offered by this job

Health insurance

Flexible time off

Retirement savings program

Equity in company

Parental leave

Therapy services

Remote work stipend

Development dollars

Job summary

Marqeta is seeking a Credit Risk Senior Manager to lead credit risk and pricing strategy for embedded finance initiatives, partnering with bank partners, customers, and internal teams to scale credit programs. You will own end-to-end risk management, model development, governance, and reporting, with a focus on improving approvals, loss rates, and profitability across consumer and commercial portfolios.

This remote-first US role offers a tiered compensation structure by location and a

Qualifications

• 8+ years building credit card risk and pricing programs, ideally at a fintech - across consumer and/or commercial underwriting.
• End-to-end ownership across the full credit card lifecycle: policy, monitoring, approval, and pricing.
• Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or related field.

Responsibilities

• Own end-to-end credit strategy initiatives - from framework design through implementation and ongoing monitoring.
• Build, review, and refine consumer and commercial credit card risk and pricing strategies.
• Proactively adjust credit card policies based on portfolio performance and risk trends.
• Establish strategies that directly drive KPIs: approval rates, new accounts, loss rates, profit margin.
• Partner with data scientists to build best-in-class credit risk and cash flow models.
• Work with product to develop modern credit stacks and data strategies leveraging datasets.
• Partner with capital markets on securitization structures, warehouse lines, and forward flow deals.
• Provide analytical support to co-brand partners, including loss forecasts and profitability analysis.
• Draft underwriting and risk documentation and report KPIs to senior management.

Skills

Credit risk

Pricing strategy

Excel

SQL

Cross-functional collaboration

Communication

Education

Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or related field

Job description

Marqeta is seeking a Credit Risk Senior Manager to lead credit risk and pricing strategy for embedded finance initiatives, partnering with bank partners, customers, and internal teams to scale credit programs. You will own end-to-end risk management, model development, governance, and reporting, with a focus on improving approvals, loss rates, and profitability across consumer and commercial portfolios.

This remote-first US role offers a tiered compensation structure by location and a