Job Description


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.


  • 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.

  • Business Relation
  • Risk Analysis
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