Credit Risk Strategy Manager

Credit Risk Strategy Manager

Location: New York, NY
Work Mode: Hybrid (3 days onsite per week)

Job Summary

Seeking a Credit Risk Strategy Manager to drive acquisition risk strategies for a credit card portfolio. This role focuses on optimizing approval strategies, leveraging open banking data, monitoring affiliate channel performance, and supporting portfolio growth while maintaining strong risk discipline. The position requires strong hands-on analytics using SAS and SQL along with deep understanding of credit risk frameworks.

Key Responsibilities Credit Risk Strategy

• Develop, implement, and optimize credit card acquisition underwriting strategies

• Design approval, pricing, and credit limit assignment aligned to risk appetite

• Monitor approval rates, bad rates, and portfolio performance

• Conduct segmentation analysis to identify growth opportunities while managing risk

• Lead champion/challenger testing and experimentation

Open Banking & Data Utilization

• Utilize open banking transaction-level data to enhance underwriting models

• Develop segmentation using income validation, affordability, and cash-flow indicators

Affiliate & Digital Channel Risk

• Monitor performance across affiliate and digital acquisition channels

• Assess channel-specific risk trends and adverse selection

• Optimize acquisition strategies by channel and customer segment

Analytics & Reporting

• Build analytical datasets using SQL

• Develop strategy logic and performance tracking using SAS

• Create dashboards and risk reporting for leadership

• Perform cohort analysis, vintage analysis, and early delinquency tracking

Stakeholder Collaboration

• Partner with business, analytics, and product teams to drive strategy execution

• Translate analytical insights into actionable business recommendations

Required Skills & Experience

• Strong experience in credit card acquisition risk strategy

• Hands-on expertise in SAS and SQL

• Experience with underwriting strategy design and portfolio monitoring

• Exposure to open banking data and digital acquisition channels preferred

• Strong analytical, problem-solving, and stakeholder management skills

• Ability to work in a fast-paced environment managing multiple priorities

Preferred Qualifications

• Experience with affiliate marketing channel analytics

• Experience building dashboards and executive risk reporting

• Strong commercial acumen with ability to balance growth and risk