Engine - Senior Manager, Credit
Requirements
• 8+ years of credit underwriting or credit risk experience. • 8+ years • 3+ years of experience leading a credit team with a proven track record of designing operating models, not just managing existing ones. • 3+ years • Commercial Credit Expertise: Deep experience in business or commercial underwriting—setting credit limits, interpreting financial signals, and making independent credit decisions. • Commercial Credit Expertise: • Risk & Bureau Tools: Hands-on experience with commercial credit bureaus (D&B or equivalent) and end-to-end ownership of KYB (Know Your Business) processes. • Risk & Bureau Tools: • Automation-Minded Philosophy: You view manual underwriting as a temporary state, actively track human-in-the-loop decision metrics, and systematically work to drive automation rates up. • Automation-Minded Philosophy: • Portfolio Analytics & Reporting: Proven capability in tracking key metrics like delinquency, cohort performance, and limit utilization, alongside strong written communication for clear exception documentation and executive updates. • Portfolio Analytics & Reporting: • Industry Context: Background in a fast-paced fintech, corporate card, or SMB credit environment. • Industry Context: • Bonus Qualifications: Experience contributing to automated credit decisioning engines; proficiency in SQL or Snowflake for self-serve data analysis. • Applications for this role will be accepted through 01/27/2027 or until the role is filled. We encourage you to apply early, as we may begin reviewing applications before the deadline. • CompensationOur compensation packages are based on several factors, including your experience, expertise, and location. In addition to a competitive base salary, all roles receive equity. Depending on the role, total compensation may also include an annual bonus. Your recruiter will share your complete compensation package as you move through the process.
Responsibilities
• Hold the credit team accountable to the underwriting standard — set decision quality expectations, review portfolio performance, and ensure the team executes with consistency and rigor. • Write and own the credit underwriting standard: what signals support which limits, what triggers exception treatment, and what the escalation path is. • Build backtest infrastructure — run proposed rule changes against historical application data before deploying, including false positive analysis on approved accounts. • Partner with Data Science on credit model inputs, validation, and the transition from manual review to automated decisioning. • Lead and develop the credit team — set expectations, provide feedback, and build analytical capability. • Deliver portfolio analytics to leadership — delinquency rates, cohort performance, limit utilization, and exception trends. • Coordinate with Fraud Operations on application fraud signals that overlap with underwriting decisions. • Partner with senior leadership on credit policy governance — ensuring credit policy changes go through the right review and sign-off process.
Benefits
• $151,300—$178,000 USD • The Engine Edge: Perks & CompensationWe believe in rewarding great work with great benefits: • Compensation: Competitive base pay tied to role and experience, with equity for all employees. Some roles are also eligible for bonuses or commissions. • Benefits: Check out our full list at engine.com/culture • Environments for Success: Different roles have different needs in terms of the environments that drive success which is why we have a hybrid-hub model. Whether you are in one of our amazing offices or fully remote, we'll make sure you have what you need to succeed. • Environments for Success: • Perks and benefits may vary based on employment type, location, and more
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