Senior Manager, Credit

Hotel Engine

. Hold the credit team accountable to the underwriting standard .

Posted 10/1/2026full-timeRemote • United StatesSenior💰 $151,300 - $178,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in credit underwriting and risk management, with a strong focus on portfolio analytics, automated decisioning, and team leadership. Proficient in setting credit limits and developing credit policies while ensuring compliance with underwriting standards.

Highest-signal resume keywords

Credit UnderwritingPortfolio AnalyticsTeam LeadershipAutomated DecisioningSQL

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisCredit Policy DevelopmentFinancial Signal InterpretationOperating Model DesignKYB ProcessesDecision Metrics TrackingDelinquency AnalysisCohort Performance AnalysisLimit Utilization AnalysisException Documentation

Soft Skills

Written CommunicationFeedback ProvisionAnalytical Capability Building

Tools & Technologies

SQLSnowflakeCredit Bureaus

Industry Keywords

FintechCommercial UnderwritingSMB CreditFraud OperationsAutomated Credit Decisioning

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Hold the credit team accountable to the underwriting standard
Set decision quality expectations and review portfolio performance
Write and own the credit underwriting standard
Define credit signals, credit limits, exception treatment, and escalation paths
Build backtest infrastructure using historical application data
Analyze false positives on approved accounts
Partner with Data Science on credit model inputs and validation
Drive the transition from manual review to automated decisioning
Lead and develop the credit team
Set expectations, provide feedback, and build analytical capability
Deliver portfolio analytics to leadership
Coordinate with Fraud Operations on application fraud signals
Partner with senior leadership on credit policy governance and approval processes

Requirements

What you’ll need

8+ years of credit underwriting or credit risk experience
3+ years of experience leading a credit team
Proven track record of designing operating models
Deep experience in business or commercial underwriting
Experience setting credit limits, interpreting financial signals, and making independent credit decisions
Hands-on experience with commercial credit bureaus, such as D&B or equivalent
End-to-end ownership of KYB (Know Your Business) processes
Experience tracking human-in-the-loop decision metrics and driving automation rates up
Capability in portfolio analytics, including delinquency, cohort performance, and limit utilization
Strong written communication for exception documentation and executive updates
Background in a fast-paced fintech, corporate card, or SMB credit environment
Experience contributing to automated credit decisioning engines preferred as a bonus qualification
Proficiency in SQL or Snowflake for self-serve data analysis preferred as a bonus qualification

Benefits

Comp & perks

Competitive base pay tied to role and experience
Equity for all employees
Some roles are eligible for bonuses or commissions
Benefits package available through engine.com/culture
Hybrid-hub model with office-based or fully remote work environments
Support and resources to succeed in the role