Credit Risk Manager

Credit Key’s mission is to deliver a superior business payment experience at B2B point-of-purchase. Our core product allows B2B merchants to offer buy-now-pay-later financing at ecommerce checkout.

Credit Key is seeking a Credit Risk Manager to join our rapidly expanding team with primary responsibilities in credit and fraud strategy development, tracking, and optimization.  This is a ‘hands-on’ analytics role with the ability to drive significant results and key insights while leveraging our unique mix of credit, transaction, and payment data.  The ideal candidate will be able to independently dig deep into data to solve challenging and fast paced business problems while also helping to build a leading risk management infrastructure and strategy.  

What you'll do

• Propose, implement, and analyze testing to further enhance key features of our credit risk framework including approvals, line assignment, pricing, and term lengths
• Create new strategies to identify and mitigate fraud risk across the credit lifecycle- from new applications, to real time transaction authorizations, to account management
• Partner directly with industry leading small business lending data providers to optimize use of existing data and explore and asses new data providers to improve our credit and fraud strategy performance 
• Create, execute, and analyze A/B testing experiments to improve credit performance
• Implement and monitor proprietary credit models using our unique data to drive our acquisition and account management risk strategies
• Develop and execute credit and fraud risk tracking and credit bureau reporting.   
• Work in a very cross-functional, fast paced environment with key stakeholders in Finance, Product, Marketing, and Operations.

Requirements

What we look for

• Bachelor’s Degree in STEM field. Master’s Degree preferred
• Minimum of 2 years of experience in a credit and/or fraud strategy development role at a lending organization (Fintech, bank, credit union, etc.)
• Background with large, complex time series datasets at a financial institution
• Deep hands-on experience in data analysis (developing your own code) utilizing tools such as Python, R, SQL, Tableau, SAS, or equivalent
• Proven track record utilizing consumer and commercial credit bureau score and tradeline data to enhance credit strategies from sources such as Equifax, Experian, TransUnion, SBFE, and Dun & Bradstreet 
• Conducting retro analysis from potential new data sources to measure marginal improvements beyond current data sources
• Expertise in an automated decision engine underwriting strategy environment and implementing and monitoring strategy changes
• Financial modeling skills to determine business cost-benefit results from A/B testing
• Strong communication skills to influence key stakeholders including executive management, partner bank, and debt facility teams
• A team player attitude with the ability to communicate clearly with both technical and non-technical stakeholders and handle ambiguity
• Prior experience in small business lending, commercial lending, and/or BNPL a plus 

Benefits

• Competitive compensation package
• Great healthcare benefits
• PTO + 10 paid holidays
• 401k match
• Work from home stipend
• Supportive and highly collaborative work environment