imprint - Credit Strategy Manager
Requirements
• 5 to 8+ years of experience in data science, risk analytics, or a related quantitative field, ideally at a high-growth startup or fintech company • Strong Python and SQL skills, with the ability to build models, transform raw data, and create custom datasets from complex financial data • Experience building credit risk or targeting models (scorecards, underwriting models, segmentation) or similar predictive modeling in a regulated environment • Deep understanding of statistical inference, experimentation design, and causal analysis, with the ability to disentangle policy impact from population shifts and channel mix changes • Comfort with AI tools and AI-native workflows; you actively use tools like Claude, Copilot, or similar to accelerate your work and are excited to build AI-powered analytical systems • Full-stack problem-solving orientation: you dive into messy data, trace a decline to its root cause, and question assumptions in pursuit of a better answer • Ability to present complex findings clearly to technical and non-technical audiences, including senior leadership and external partner stakeholders • Comfort owning projects end-to-end in a fast-moving startup environment with limited scaffolding, collaborating cross-functionally with Policy, Strategy, Product, and Engineering • Experience with credit card underwriting, lending, or consumer credit products • Familiarity with credit bureau data (Vantage, FICO, tradeline attributes) and alternative data sources • Experience building or scaling experimentation infrastructure for credit policy testing • Exposure to fraud detection, KYC/IDV workflows, or application fraud models • Understanding of acquisition channel economics and experience partnering with marketing or credit strategy teams on targeting and LTV modeling • We don't expect every candidate to check every box. If this role excites you and you bring strong fundamentals, we encourage you to apply. • Python and SQL for modeling and analysis. Snowflake for data warehousing. AWS infrastructure. Dashboarding and monitoring tools for production systems. • Learn more about how we build at Imprint on our engineering blog: https://medium.com/imprint-eng
Responsibilities
• Own the credit risk strategy, underwriting parameters, and ongoing optimization of new acquisition channels, including affiliates (Credit Karma, NerdWallet, Doctor Of Credit), invitation-to-apply emails, paid social, display, direct mail, and instant prescreens • Define targeting strategies and risk criteria for each channel in partnership with credit policy, risk, data science, and marketing teams, ensuring acquisition quality meets portfolio standards • Partner with data science and credit risk to influence targeting models, evaluate credit performance by channel, and refine acquisition criteria based on early portfolio signals • Build business cases and ROI analyses that connect application volume to credit outcomes, including approval rates, expected losses, contribution profit, LTV, CAC, and LTV-to-CAC ratios • Monitor channel-level credit performance post-launch, identifying early warning signals and adjusting targeting or risk parameters as needed • Partner with finance to ensure acquisition strategies remain within LTV-to-CAC thresholds and align with Imprint's operating plan and loss budgets • Collaborate with GMs and brand partners to design channel strategies that balance partner growth goals with credit quality expectations • Pull and analyze data independently using SQL to build data cohorts, diagnose performance, evaluate credit quality by channel, and inform strategy • Manage stakeholder alignment across risk, credit policy, marketing, finance, and data science to ensure clarity, speed, and accountability • Establish a test-and-learn cadence for channel experimentation, with structured readouts on both acquisition metrics and credit performance
Benefits
• Competitive compensation and equity packages • Leading configured work computers of your choice • Flexible paid time off • Fully covered, high-quality healthcare, including fully covered dependent coverage • Additional health coverage includes access to One Medical and the option to enroll in an FSA • 20 weeks of paid parental leave for the primary caregiver and 8 weeks for all new parents • 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
Apply in one click
Upload My Resume
Drop here or click to browse · Tap to choose · PDF, DOCX, DOC, RTF, TXT