Credit Risk Senior Manager

ABOUT THE ROLE As Marqeta's Credit Risk Senior Manager, you will play a pivotal role in shaping the company's credit risk and pricing strategy, driving innovation, and establishing best-in-class credit strategies in partnership with internal stakeholders and external bank partners and customers. You will lead the development and implementation of credit programs from the ground up, creating a unique marketplace that enables fintech apps, wallets, and merchants to offer credit products at scale. WHAT YOU'LL DO As a senior leader in credit risk, you will be responsible for owning end-to-end credit strategy initiatives, from framework design through implementation and ongoing monitoring. You will build, review, and refine consumer and commercial credit card risk and pricing strategies, proactively adjusting credit card policies based on portfolio performance and risk trends. You will establish strategies that directly drive key performance indicators, such as approval rates, new accounts, loss rates, profit margin, and more. You will partner with data scientists to build best-in-class credit risk and cash flow models, work with product to develop modern credit stacks and data strategies leveraging financial, bank, and third-party datasets, and enable underwriting automation at scale. You will also collaborate with capital markets on securitization structures, warehouse lines, and forward flow deals, provide analytical support to co-brand partners, and report KPIs and risk performance to senior management regularly. WHAT YOU'LL NEED To succeed in this role, you will need 8+ years of experience building credit card risk and pricing programs, ideally at a fintech, across consumer and/or commercial underwriting. You will have proven ownership across the full credit card lifecycle, including credit policy and risk strategy development, monitoring, and adjustment, approval, line assignment, and pricing strategy design, risk assessments for prospective partners, and acquisition strategy across card programs. You will hold a Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field. You will be an expert in Excel and SQL modeling, comfortable using data to build alignment across stakeholders with competing priorities. You will have experience working cross-functionally with product, engineering, finance, compliance, bank partners, and capital providers, and be an exceptional communicator, able to translate complex credit concepts for executive, partner, and cross-functional audiences. WHY REMOTE Marqeta is a Flex First company, which allows you to choose your best working environment, whether that be from home or at a company office. You will have the flexibility to work remotely in the United States, with pay calibrated according to working location. BENEFITS Marqeta offers a competitive compensation package, with salaries aligned according to three tiers within the United States: National, Premium, and Premium Plus. You will also have access to a range of benefits, including a health plan, parental leave, education stipend, life insurance, equipment stipend, and flexible schedule.