Credit Risk Strategy Manager / Senior Manager

About this role

At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.

## The Job

We're looking for a Credit Risk Strategy Manager or Senior Manager to own the credit strategy for managing risk across our existing cardholder portfolio. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines how we extend additional credit, manage exposure, and optimize portfolio performance as well as ensuring the tools, data, and processes behind those decisions are best-in-class.

Reporting to our Head of Credit, you'll work at the intersection of data, tooling, and operations to optimize customer-level credit decisions as Cardless scales. You'll own the strategy for actions such as credit line increases and decreases, balance transfer offers, and other portfolio management levers, while building the measurement infrastructure needed to continuously improve performance for a rapidly growing portfolio.

## What You'll Own

Portfolio Strategy & Signal Development

• Define the logic and thresholds for credit line increases, decreases, and exposure management — balancing portfolio growth, credit risk, and customer experience
• Develop the strategy and implementation for new programs such as balance transfers and ongoing spend campaigns
• Build structured feedback loops between portfolio performance and policy triggers to drive conti...