Help shape the future of credit and commerce

At Marqeta, we're revolutionizing the way businesses offer credit to their customers. As a Credit Risk Manager, you'll play a key role in defining and executing our credit strategy, working closely with internal stakeholders and external partners to bring innovative credit offerings to market.

This is a unique opportunity to join our team and contribute to the development of a marketplace that enables fintech apps, wallets, and merchants to offer credit products at scale.

The Role

Key Responsibilities:

Develop and execute credit underwriting strategies for SMB and commercial card programs, driving growth while minimizing risk.
Collaborate with cross-functional teams to design and implement account management policies, spend controls, and line management processes.
Own manual underwriting for new SMB and commercial card customers, using bureau data and cash flow analysis to make informed credit decisions.
Build, review, and refine credit card risk origination strategies, including line assignment, spend controls, and account management policies.
Proactively monitor portfolio performance and risk trends, making adjustments to credit card policies as needed.
Develop and maintain relationships with external bank partners and customers to drive innovation and growth.

Requirements & Qualifications:

Minimum 5 years of experience in credit risk management, with a focus on SMB and commercial card programs.
Strong credit underwriting skills, with experience in manual underwriting and account management.
Excellent analytical and problem-solving skills, with the ability to interpret complex financial data.
Strong communication and relationship-building skills, with experience working with cross-functional teams and external partners.
Bachelor's degree in a related field, such as finance or business.
Certifications such as CAFP or CCO are a plus.

What We Offer:

A unique opportunity to shape the future of credit and commerce.
A Flexible First work environment, with the ability to work remotely in the United States.
A competitive salary and benefits package, including health insurance, retirement savings, and paid time off.
Ongoing professional development opportunities, including training and education programs.
The chance to collaborate with a talented team of professionals who are passionate about innovation and growth.

We're excited to hear from talented individuals who are passionate about credit risk management and innovation. If you're interested in joining our team and contributing to the development of a marketplace that enables fintech apps, wallets, and merchants to offer credit products at scale, please apply today.