Credit Risk Manager

Scratch Financial

. Own analyses shaping underwriting strategy, including identifying approval and loss opportunities, sizing trade-offs and recommending policy changes .

Posted 11/2/2026full-timeRemote • United StatesMid-LevelSenior💰 $130,000 - $170,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in consumer lending credit risk analysis and strategy, with strong capabilities in SQL and Python for data analysis and model development. Proven ability to communicate insights effectively to senior stakeholders and collaborate across teams to enhance underwriting strategies.

Highest-signal resume keywords

Consumer Lending Credit RiskSQLPythonData AnalysisModel Development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Data PreparationStatistical AnalysisTest DesignImplementation ValidationPost-Implementation MonitoringChampion/Challenger TestingCredit Performance DiagnosisLoss Mitigation StrategiesAI Tools UtilizationLogistic Regression

Soft Skills

Clear CommunicationTeam CollaborationOwnership MindsetProblem StructuringAutonomous Work

Certifications & Qualifications

Bachelor's Degree in Quantitative Field

Industry Keywords

Consumer LendingCredit RiskFintechCollections StrategyRecoveries StrategyPoint-of-Sale LendingInstallment LendingBNPL LendingCredit Bureau DatasetsBank Partnerships

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Own analyses shaping underwriting strategy, including identifying approval and loss opportunities, sizing trade-offs and recommending policy changes
Diagnose drivers of credit performance, including delinquency, roll rates and losses, and turn findings into actions
Improve loss mitigation, collections and recovery strategies, including designing and interpreting champion/challenger tests
Analyze the application and checkout experience's impact on the originations funnel and partner with Product to improve it
Contribute to underwriting model improvements and build new models from data preparation through validation and monitoring
Build repeatable, AI-assisted workflows to improve team speed and analysis reliability
Communicate findings and recommendations to executives, bank partners and capital partners
Work as a hands-on individual contributor across the full consumer lending lifecycle
Collaborate with the VP of Credit Risk and partners across Product, Engineering, Finance and Marketing

Requirements

What you’ll need

Bachelor's degree in a quantitative field (e.g., Statistics, Economics, Math, Engineering, Finance)
3+ years in consumer lending credit risk or analytics at a bank or fintech
Hands-on experience across the credit strategy lifecycle: analysis, strategy design, test design, implementation validation and post-implementation monitoring
Strong SQL and Python
Comfortable with large loan-level and credit bureau datasets
Enthusiasm for using AI tools and judgment to verify their output
Ability to work autonomously and structure ambiguous problems
Clear, concise communication with senior stakeholders
Team player with an ownership mindset and bias for getting things done
Nice to have: point-of-sale, installment or BNPL lending experience
Nice to have: collections/recoveries strategy experience
Nice to have: model development experience, including logistic regression or gradient boosting
Nice to have: experience working with a partner bank

Benefits

Comp & perks

Equity
Unlimited PTO
Covered healthcare
Flex benefits
401(k) matching
Cell plan reimbursement
Monthly recognition opportunities
Continuous learning resources
Equity retention program
Generous parental leave
Remote work support
Annual company Hub Day onsite
Pasadena office stocked with snacks and drinks for hybrid work