Credit Strategy & Decisioning Manager

GoodLeap•Philadelphia, PA

20d•$170,000 - $200,000

About The Position

The Credit Strategy and Decisioning Manager manages the execution and delivery of GoodLeap’s underwriting policy and procedures. The role manages policy configuration content within the decision platform, monitors and enhances execution processes, and communicates quality-check and control feedback to leadership. The manager partners with Capital Markets, Treasury, Credit Risk, Product, and Engineering to assess policy changes against business intent and designs and delivers pilots with internal stakeholders and external vendors to improve financing product performance.

Requirements

Exceptional attention to detail and focus on engineering quality processes, including the ability to trace details and catch discrepancies before production.
Skill building and maintaining monitoring dashboards and translating performance data into clear, actionable leadership insights.
Experience using SQL, Python, Databricks, Tableau, and Claude/ChatGPT.
Deep understanding of credit and underwriting policy and how configuration choices affect borrower outcomes and portfolio risk.
Strong ownership of outcomes from policy configuration through portfolio performance, with minimal oversight.
High integrity and sound judgment, including willingness to surface blind spots and escalate issues to leadership.
Working knowledge of loan decisioning engines and interactions between policy rules and third-party data sources.
Strong program and project management skills, including prioritizing and sequencing competing change requests across engineering and product resources.
Superior written and verbal communication skills, with the ability to explain complex trade-offs to technical and non-technical audiences.
Ability to collaborate effectively with Capital Markets, Treasury, Product, Engineering, and Credit Risk stakeholders.
Strong organizational skills and ability to own documentation, version history, and audit trails while balancing execution speed with compliance and audit readiness.
Comfort designing and interpreting A/B tests, champion/challenger frameworks, and other policy-change experimentation methods.
Ability to move between strategy and execution and work effectively in a dynamic, fast-moving environment.

Responsibilities

Translate credit and underwriting policies into the decision platform and maintain accurate documentation of active decisioning flows by API source, including overrides, potential exceptions, and fallback logic.
Monitor configured policy performance against its intent and portfolio results using dashboards for approval, pull-through, and override rates, as well as policy drift; conduct periodic gap assessments to identify undocumented decisioning nuances.
Brief senior leaders across Capital Markets, Credit Risk, Product, and Engineering on execution status, risks, and open decisions, tailoring communications to each audience.
Maintain policy version history and audit trails to support back-testing and regulatory review; own approval workflows for launching or rolling back strategy changes and maintain the mapping between decision logic and customer communications.
Design, deliver, and validate A/B, champion/challenger, and shadow tests of policy changes before production releases, working with Capital Markets, Product, and Engineering stakeholders.
Evaluate emerging credit and fraud vendor solutions and support pilot integrations.
Prioritize and sequence configuration change requests against engineering and product capacity, using independent judgment to manage trade-offs and keep strategy delivery on schedule.