other
Posted YesterdayCredit Risk Manager
at Made Card
New York City, United StatesRemote
Responsibilities
- Deploy test and learn mechanisms.
- Implement ongoing pricing and limit management strategies (penalty pricing, limit increases, reductions etc.) - Model Decisioning: Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs.
Requirements
- Each swipe powers a personalized home management platform where users can manage home systems & appliances, stay ahead on upkeep, and get help - from AI-driven guidance to in-person services - exactly when they need it most.
- experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley.
- experience in consumer lending or credit risk, with a proven track record in fintech environments. - Strong
- experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections - Hands-on
- experience with credit risk models and credit bureau data (traditional and alternative). - Strong technical acumen: pull data, analyze, create KPIs, create reporting tools (Python, SQL knowledge a plus) - Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders.
- Experience in fintech, credit cards, real estate, or home services. - Familiarity with compliance-heavy or regulated marketing environments. - Passion for credit cards, rewards, or homeownership-related products.
Experience
- IDEAL BACKGROUND - 2+ years of
Benefits
- It starts with Made Card - a credit card designed specifically for homeowners, with unmatched rewards on mortgage payments, home improvements, utilities, and essential purchases.
- By bringing together financial tools, data, and trusted professionals, we give people more control, more savings, and more time to enjoy the place they call home.
- benefits to homeowners. Backed by top investors like Village Global, Jump Capital, Recharge Capital, and Soma Capital, our leadership team brings deep fintech, mortgage, and credit card
- ABOUT THE ROLE The Credit Risk Manager will play a critical role in shaping and leading Made Card’s credit risk strategy across the customer lifecycle.
- You’ll drive underwriting, pricing, segmentation, and decisioning for our credit card product while overseeing performance of the credit portfolio.
- This role also owns the development and tracking of credit models and will lead Made Card’s Decision Science practice.
- BENEFITS - Base Compensation Band: $100,000–$110,000 (determined by experience, qualifications, and location) - Compensation: Competitive salary with a meaningful stake in the company via equity - Health & Well-being: We’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision
- benefits - Grow Together: Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback - Mortgage Benefit: Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partners - Play Together: Quarterly budgets for team and company outings.
- Made Card is an equal opportunity employer that is committed to diversity and inclusion in the workplace.
Contact
- Use it for team swag, cooking classes, or team dinners! - Generous Time Off: Flexible paid time off, sick days, and 11 company holidays Throughout the interview process, please remember that emails will only be from madecard.com http://madecard.com emails.
- Please reach out to talent@madecard.com if you have any requests to verify the authenticity of an outreach.
Additional details
- ABOUT THE COMPANY Made’s mission is to help homeowners save time, money, and stress.
- We’re partnered with leading national players in the residential homeownership space - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey.
- These partnerships let us reach millions of households across the country and deliver meaningful
- We’re building the financial and engagement platform for the next generation of homeowners - one that puts the homeowner at the center, and redefines what it means to feel at home.
- WHAT YOU’LL DO - Underwriting & New Accounts: Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth.
- Have complete ownership of implementation of said strategies directly in the risk decision engine. - Credit Policy & Segmentation: Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation. - Pricing & Limits: Design pricing and credit limit frameworks to maximize risk-adjusted returns.
- - Portfolio Performance: Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability.
- - Collections Strategy: Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs.
- - Risk operations: Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans.
- We understand that not everyone comes from a traditional background.