Senior Credit Strategy Lead - Portfolio Growth & Risk

Cardless; San Francisco (CA); On-site; USD 150,000 - 210,000; Full time

Benefits offered by this job

Start-up equity

Health, vision & dental

Dependent coverage 75%

Catered lunches

Commuter benefit

Parental leave

Team events & happy hours

Flexible PTO

Apple equipment

401k plan

Job summary

Cardless in San Francisco seeks a Senior Credit Strategy Manager to own credit strategy for risk across our cardholder portfolio. This highly analytical role builds the decisioning framework for extending credit and optimizing portfolio performance.

You'll partner with Data Science, Engineering, Compliance, and Brand teams to implement policies, monitor KPIs, and run A/B tests that balance growth with responsible lending.

Qualifications

• 5–10 years of credit risk strategy, portfolio management, or underwriting experience in fintech or financial services.
• Experience using behavioral and bureau data to optimize credit strategies.
• Ability to translate complex tradeoffs into clear executive recommendations.
• Strong SQL and production-grade analytics experience.
• Familiarity with credit risk models (regression/tree-based) and decision engines.

Responsibilities

• Define credit line policy thresholds for increases/decreases and exposure.
• Develop strategies for balance transfers and spend campaigns.
• Build dashboards to monitor KPI trends and portfolio health.
• Lead A/B testing to optimize strategies balancing product and risk.
• Collaborate with Data Science, Engineering, Compliance, and Brand teams.

Skills

Credit risk strategy

Portfolio management

Underwriting

SQL

Behavioral data

Credit risk models

Communication

Bias to action

Regulatory knowledge

Cross-functional collaboration

Job description

Cardless in San Francisco seeks a Senior Credit Strategy Manager to own credit strategy for risk across our cardholder portfolio. This highly analytical role builds the decisioning framework for extending credit and optimizing portfolio performance.

You'll partner with Data Science, Engineering, Compliance, and Brand teams to implement policies, monitor KPIs, and run A/B tests that balance growth with responsible lending.