Senior Credit Strategy Manager

Cardless•San Francisco, CA

13h•$150,000 - $210,000•Hybrid

About The Position

Cardless is seeking a Senior Credit Strategy Manager to own credit strategy for managing risk across its existing cardholder portfolio. The role focuses on creating a decisioning framework for extending additional credit, managing exposure, and optimizing portfolio performance, as well as ensuring the supporting tools, data, and processes are effective. Reporting to the Head of Credit, this role works across data, tooling, and operations to optimize customer-level credit decisions as Cardless scales. The manager owns strategies for credit line increases and decreases, balance transfer offers, and other portfolio-management levers, and builds the measurement infrastructure needed to improve performance for a rapidly growing portfolio. The role is based at Cardless’s San Francisco headquarters and requires working in the office at least three days per week. The annual starting salary range is $150,000–$210,000, plus equity and benefits.

Requirements

5–10 years of experience in credit risk strategy, portfolio management, or underwriting at a financial institution, fintech, or payments company.
Strong SQL skills and experience using analytics to build and evaluate credit strategies, track portfolio performance, and identify emerging risk patterns.
Familiarity with credit risk models, including regression and tree-based machine learning, and decision engines in a production environment.
Excellent communication skills, including the ability to translate complex credit tradeoffs into clear recommendations for executives, partners, and compliance teams.
Proactive, bias-to-action mindset, with the ability to ask the right questions, align stakeholders, and drive decisions forward.

Nice To Haves

Deep expertise in consumer credit portfolio management; experience with credit line management, utilization dynamics, and loss forecasting is a plus.
Experience leveraging behavioral and bureau data to develop or optimize strategies.

Responsibilities

Define logic and thresholds for credit line increases, decreases, and exposure management, balancing portfolio growth, credit risk, and customer experience.
Develop strategy and implementation for programs such as balance transfers and ongoing spend campaigns.
Build feedback loops between portfolio performance and policy triggers to continuously refine strategies.
Develop processes for loss forecasting, leading-edge delinquencies, and other methods of assessing future portfolio performance.
Build and maintain automated dashboards to track portfolio performance KPIs.
Design and execute A/B tests to evaluate strategies while balancing product performance with customer and partner satisfaction.
Partner with Data Science to define feature requirements, evaluate model performance, and translate model outputs into operational policy.
Partner with Engineering to build and implement strategies, including proactive credit line increase execution and reactive credit line increase APIs.
Work with Compliance and Legal to ensure portfolio management policies comply with ECOA, FCRA, Fair Lending, and other applicable regulations.
Work with brand partners to balance company and partner goals and communicate performance and results.
Work with bank partners to document and present new policies and models and obtain approval.