The Team

The Credit Risk Manager is a key member of the Risk team, reporting to the Director of Credit Strategy. A key responsibility is performing analytics to assess the impact of credit strategy changes, as well as propose changes to credit strategy that drive profitable growth. This role is critical in ensuring Imprint maintains a healthy loan book, while balancing a great customer and merchant partner experience.

Driving a robust risk strategy sits at the heart of Imprint’s branded credit card platform and enables the delivery of credit losses in line with our risk appetite while providing an outstanding experience to customers. Our credit strategy is Imprint’s competitive advantage and drives value to our merchant partners.

Your Day-to-Day

• Perform statistical analysis to assess the impact of changes in credit strategy in a rapidly evolving environment across the credit lifecycle, including underwriting and customer management
• Proactively and effectively communicate with various stakeholders, discussing the root cause of trends, assessing their impact, and proposing solutions and the potential optimization of strategies
• Ensure metrics and strategies align with business objectives as well as the current credit environment and potential emerging risks (e.g., macroenvironment)
• Ensure adequate controls, monitoring and testing programs are in place to assess the implementation of strategies, as well as the loan book overall
• Support wider business objectives by providing analytical expertise on new products and merchant partners and collaborating closely with other teams where relevant
• Leverage analytical tools (e.g. SQL, Python, or similar) to analyze data and problem solve with the end goal of detecting trends and challenging the business
• Develop and iteratively enhance dashboards to monitor loan book performance, provide early detection on any loss pockets, and provide insights at scale

We Are Looking For Folks With

• 4-6 years of experience analyzing credit card risk strategies including underwriting criteria, line assignment, and pricing
• Bachelor’s degree in Mathematics, Economics, Engineering, or a related field; Master’s degree preferred
• Strong track record in optimizing business performance and identifying gaps in business strategy, with a focus on credit risk
• Experience in using structured approaches to problem-solving with a natural curiosity and a bias towards action
• Ability to connect the dots and see the broader picture such as the downstream impacts to changing credit strategy
• Experience working closely with growth, product, and engineering to drive towards common goals
• Tech savviness with the ability to write rules for credit decisions
• Experience with visualization tools such as Sigma
• Experience in statistical analysis and related programming languages like R and Python
• Possess fundamentally strong SQL skills
• Experience using project management and documentation tools such as Jira and Confluence
• Strong communication and interpersonal skills

Perks & Benefits

• Competitive compensation and equity packages
• Leading configured work computers of your choice
• Unlimited vacation policy
• Fully covered, high-quality healthcare including fully covered dependent coverage
• Additional health coverage includes access to One Medical and option to enroll in an FSA
• 16 weeks of paid parental leave for the primary caregiver and 8 weeks for all new parents
• An understanding that successful remote work requires flexibility and an appreciation for asynchronous work
• Access to industry leading technology across all of our business units — stemming from our philosophy that we should invest in resources for our team that foster innovation, optimization, and productivity
• Limited edition Imprint Credit Card (no hard pull) for the first 100 team members only. Get 1.5% cash back on all purchases, plus additional perks

Annual salary range: $120k-$160k and competitive equity package