Cardless Senior Credit Strategy Manager at Cardless owns credit strategy for managing risk across the cardholder portfolio. The role focuses on building decision frameworks and optimizing portfolio performance.
Responsibilities
We're looking for a Senior Credit Strategy Manager to own the credit strategy for managing risk across our existing cardholder portfolio. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines how we extend additional credit, manage exposure, and optimize portfolio performance as well as ensuring the tools, data, and processes behind those decisions are best-in-class.
Reporting to our Head of Credit, you'll work at the intersection of data, tooling, and operations to optimize customer-level credit decisions as Cardless scales. You'll own the strategy for actions such as credit line increases and decreases, balance transfer offers, and other portfolio management levers, while building the measurement infrastructure needed to continuously improve performance for a rapidly growing portfolio.
Portfolio Strategy & Signal Development
Define the logic and thresholds for credit line increases, decreases, and exposure management — balancing portfolio growth, credit risk, and customer experience
Develop the strategy and implementation for new programs such as balance transfers and ongoing spend campaigns
Build structured feedback loops between portfolio performance and policy triggers to drive continuous refinement
Develop processes for loss forecasting, leading edge delinquencies, and other methods to understand future portfolio performance
Build and maintain automated dashboards to track key performance indicators (KPIs) around portfolio performance
Design and execute A/B tests to evaluate new strategies, balancing product performance with customer and partner satisfaction
Cross-Functional Partnership
Partner with Data Science to define feature requirements, evaluate model performance, and translate model outputs into operational policy
Partner with engineering to build and implement new strategies such as proactive credit line increase execution and reactive credit line increase APIs
Qualification
Proactive
Required
5–10 years of experience in credit risk strategy, portfolio management, or underwriting at a financial institution, fintech, or payments company.
Deep expertise in consumer credit portfolio management – experience with credit line management, utilization dynamics, and loss forecasting is a plus
Experience leveraging behavioral and bureau data to develop/optimize strategies
Strong SQL skills and experience using analytics to build and evaluate credit strategies, track portfolio performance, and identify emerging risk patterns.
Familiarity working with credit risk models (including regression and tree-based machine learning) and decision engines in a production environment.
Excellent communication skills — you can translate complex credit tradeoffs into clear recommendations for executives, partners, and compliance teams
Proactive, bias-to-action mindset: you ask the right questions, align stakeholders, and drive decisions forward.
