Summary

The Department: Neo Banking

The Role: Manager, Credit Risk

We are looking for a Credit Risk Manager to join our Risk / Neo Banking department. They will be responsible for building and leading Geminis credit risk function and managing multiple new initiatives. The candidate will fill a senior level position and will be responsible for building a team under them as the operations scale.

Responsibilities:

• Help establish a strategic plan for the company including setting acceptable risk levels and assessing the credit risk of the target market
• Develop an underwriting model based on the strategic plan and test it for accuracy, predictability, and effectiveness
• Prepare full governance documents for the model including the structure, variables, weights, and execution process
• Test and report on the models effectiveness on a consistent basis
• Report and track metrics on a consistent basis to ensure acceptable risk
• Oversee account management functions including credit line management, minimum payment, and delinquencies
• Develop and manage key vendor relationships
• Partner with our Fraud Management team to identify and combat patterns of credit fraud

Minimum Qualifications:

• 6-10 years of experience in consumer credit risk management
• Proven ability to apply credit and risk principles toward business goals
• Prior experience developing and managing vendor relationships

Preferred Qualifications:

• Exceptional communication skills (both written and oral)
• Excellent analytical and numerical capacity
• Ability to balance and execute on competing priorities in a fast-paced environment
• Strong sense of personal accountability
• Passion for startups, new technology, and cryptocurrency

It Pays to Work Here   The compensation & benefits package for this role includes:

• Competitive starting salary
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental Leave
• Flexible time off

Salary Range: The base salary range for this role is between $137,000 - $172,000 in the State of New York, the State of California and the State of Washington. This range is not inclusive of our discretionary bonus or equity package. When determining a candidates compensation, we consider a number of factors including skillset, experience, job scope, and current market data.

Skills

• Business Relation
• Risk Analysis