A privately held consumer financing company with offices in St. Cloud, Minnesota and Las Vegas, Nevada is seeking a Credit Risk Strategy Manager who has experience in consumer lending, preferrably in unsecured lending, BNPL, or fintech environments. This is a newly created leadership role offering high visibility and impact across the organization and will lead strategic credit initiatives and optimize underwriting policies.

Position Overview

The Credit Risk Strategy Manager will be responsible for designing and implementing credit risk strategies that support business growth while maintaining regulatory compliance and portfolio health. This role will collaborate cross-functionally with underwriting, compliance, analytics, and finance teams to drive data-informed decisions and improve credit performance.

Key Responsibilities

• Develop and maintain credit risk and underwriting policies aligned with business goals and regulatory frameworks.
• Lead credit risk monitoring efforts, including forecasting portfolio exposure and analyzing approval and default trends.
• Serve as a senior escalation point for complex or exception-based credit applications.
• Oversee the creation of SOPs and training materials for underwriting operations.
• Present performance reports and KPI dashboards to senior leadership.
• Collaborate with internal teams to enhance end-to-end credit risk management processes.

Qualifications

• Minimum of 8 years of experience in consumer credit, preferably in unsecured lending, BNPL, or fintech environments. 10 - 15 years of experience would be ideal
• Strong understanding of credit reporting systems and financial qualification metrics.
• Proven ability to analyze data, manage complex tasks, and make informed decisions.
• Preferred experience with automated credit decisioning, fraud prevention, KYC/AML, or identity verification tools.
• Strong leadership skills; this person will have 1 direct report to start

Work Environment & Compensation

• Hybrid flexibility: Working onsite 1-2 days per week is ideal, but more remote flexibility is available for the right candidate. Onsite meetings will be scheduled as needed.
• Office locations: St. Cloud, MN or Las Vegas, NV
• Base salary up to $175,500, plus annual discretionary bonus.

Benefits & Perks

• Paid Maternity & Paternity Leave
• Donation Matching & Paid Volunteer Time
• 401(k) Match - 100% of deferrals up to 5%
• Tuition Reimbursement & Student Loan Match Program
• Medical, Dental and Vision Insuance options
• Paid holidays, paid vacation time, and paid sick time
• 4.8+ star rating on Google with over 8,000 reviews

All qualified applicants will receive consideration for employment without regard to race, color, national origin, age, ancestry, religion, sex, sexual orientation, gender identity, gender expression, marital status, disability, medical condition, genetic information, pregnancy, or military or veteran status. We consider all qualified applicants, including those with criminal histories, in a manner consistent with state and local laws, including the California Fair Chance Act, City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, and Los Angeles County Fair Chance Ordinance. For unincorporated Los Angeles county, to the extent our customers require a background check for certain positions, the Company faces a significant risk to its business operations and business reputation unless a review of criminal history is conducted for those specific job positions.