Senior Manager, Credit

Engine; United States; Hybrid; USD 151,000 - 178,000; Full time

Benefits offered by this job

Equity

Hybrid work model

Remote options

Bonuses or commissions

Job summary

Engine is seeking a Sr. Manager, Credit to own the underwriting operating model for Engine’s corporate card. You will drive the criteria, model inputs, and policy decisions enabling automation while handling manual review for complex cases. Lead a team, build backtests, and partner with data science to improve decisioning.

You will shepherd portfolio analytics and collaborate with Fraud Operations and senior leaders on governance, shaping the future of credit at Engine.

Qualifications

• 8+ years in credit underwriting or credit risk.
• 3+ years leading a credit team with operating-model design experience.
• Commercial credit underwriting expertise with decision authority.
• Experience with commercial bureaus (D&B or equivalent) and KYB processes.
• Automation mindset with focus on increasing automation rates.

Responsibilities

• Hold the credit team to underwriting standards and ensure consistency.
• Define and own the underwriting standard including signals and exception rules.
• Build backtest infrastructure and analyze false positives.
• Collaborate with Data Science on model inputs and automation transition.
• Lead and develop the credit team and improve analytical capability.
• Deliver portfolio analytics to leadership and track key metrics.
• Coordinate with Fraud Operations on fraud signals.
• Partner with senior leadership on credit policy governance.

Skills

Credit underwriting

Credit risk management

Leadership

KYB processes

SQL/Snowflake

Data analysis

Tools

SQL

Snowflake

Job description

Engine is the AI-native platform for intelligent travel. For a decade, Engine has built the proprietary technology and supply behind modern business travel, serving over 38,000 customers and nearly 2 million travelers, along with leading travel and AI companies that build on Engine's infrastructure. One system powers business travel, group travel, human agents, and AI agents.

That work has earned recognition as one of Fast Company's Best Workplaces for Innovators (2025), TravelTech's Reservation Platform of the Year (2026), and one of Built In's Best Places to Work (2020–2026). We're looking for bold, ambitious people to help redefine how businesses manage and experience travel. Working here, you can expect exponential growth, an ambitious pace, full ownership, and high-caliber colleagues who push you to do the best work of your career. Every hire raises the bar. Come outpace the ordinary and build the future of travel with us.

About the Role

Engine X is growing fast and credit decisioning is a core risk control. The Sr. Manager, Credit owns the underwriting operating model for Engine’s corporate card: the credit standard, the backtest infrastructure, the portfolio analytics, and the team executing against it.

The end state is a credit function where the majority of applications are decided automatically, with human judgment reserved for complexity and edge cases. You're the person who builds the bridge from here to there — owning the manual operation today while driving the criteria, model inputs, and policy decisions that make automation possible.

What You'll Do

• Hold the credit team accountable to the underwriting standard — set decision quality expectations, review portfolio performance, and ensure the team executes with consistency and rigor.
• Write and own the credit underwriting standard: what signals support which limits, what triggers exception treatment, and what the escalation path is.
• Build backtest infrastructure — run proposed rule changes against historical application data before deploying, including false positive analysis on approved accounts.
• Partner with Data Science on credit model inputs, validation, and the transition from manual review to automated decisioning.
• Lead and develop the credit team — set expectations, provide feedback, and build analytical capability.
• Deliver portfolio analytics to leadership — delinquency rates, cohort performance, limit utilization, and exception trends.
• Coordinate with Fraud Operations on application fraud signals that overlap with underwriting decisions.
• Partner with senior leadership on credit policy governance — ensuring credit policy changes go through the right review and sign-off process.

What We're Looking For

• 8+ years of credit underwriting or credit risk experience.
• 3+ years of experience leading a credit team with a proven track record of designing operating models, not just managing existing ones.
• Commercial Credit Expertise: Deep experience in business or commercial underwriting—setting credit limits, interpreting financial signals, and making independent credit decisions.
• Risk & Bureau Tools: Hands-on experience with commercial credit bureaus (D&B or equivalent) and end-to-end ownership of KYB (Know Your Business) processes.
• Automation-Minded Philosophy: You view manual underwriting as a temporary state, actively track human-in-the-loop decision metrics, and systematically work to drive automation rates up.
• Portfolio Analytics & Reporting: Proven capability in tracking key metrics like delinquency, cohort performance, and limit utilization, alongside strong written communication for clear exception documentation and executive updates.
• Industry Context: Background in a fast-paced fintech, corporate card, or SMB credit environment.
• Bonus Qualifications: Experience contributing to automated credit decisioning engines; proficiency in SQL or Snowflake for self-serve data analysis.

Compensation
Our compensation packages are based on several factors, including your experience, expertise, and location. In addition to a competitive base salary, all roles receive equity. Depending on the role, total compensation may also include an annual bonus. Your recruiter will share your complete compensation package as you move through the process.

Base Pay Range

$151,300 - $178,000 USD

The Engine Edge: Perks & Compensation

The Engine Edge: Perks & Compensation
We believe in rewarding great work with great benefits:

• Compensation: Competitive base pay tied to role and experience, with equity for all employees. Some roles are also eligible for bonuses or commissions.
• Environments for Success: Different roles have different needs in terms of the environments that drive success which is why we have a hybrid-hub model. Whether you are in one of our amazing offices or fully remote, we'll make sure you have what you need to succeed.

Perks and benefits may vary based on employment type, location, and more