Senior Credit Risk Manager

About This Role

This role involves leading and optimizing credit risk and underwriting strategies for leading consumer banks and financial institutions, with a focus on consumer lending and credit cards. The manager will own end-to-end credit strategies, drive portfolio outcomes, and mentor junior team members.

Responsibilities

• Design, implement, and optimize credit risk and underwriting strategies across the credit lifecycle (acquisition, underwriting, account management, exposure management)
• Lead initial line assignment and related credit policy decisions
• Conduct deep portfolio analysis to identify opportunities for growth, risk mitigation, and profitability
• Partner with cross-functional teams (Product, Finance, Operations, Compliance, Technology) to align risk strategies with business goals
• Present insights, recommendations, and performance reviews to senior leadership and client stakeholders
• Ensure compliance with regulatory, governance, and audit standards
• Manage and mentor analysts / junior team members while supporting client relationships and engagement growth

Requirements

• 10+ years of overall experience
• 7+ years in Credit Risk Strategy
• Strong background in consumer banking, preferably credit cards
• Proven expertise in credit risk management, underwriting strategy, and initial line assignment
• Experience managing teams and/or client engagements
• Strong analytical, communication, and stakeholder-management skills
• Ability to translate data-driven insights into practical business strategies

Qualifications

• 10+ years of overall experience with 7+ years in Credit Risk Strategy, preferably focused on consumer banking and credit cards.

Nice to Have

• Experience working with large banks, fin-techs, or consulting environments
• Exposure to advanced analytics, portfolio management, or risk modelling
• Hands-on experience working in fast-paced, client-facing roles