MQ Referrals Only - Credit Risk Manager
Requirements
• 5+ years building credit card risk and pricing programs, ideally at a fintech, with hands-on manual underwriting experience on SMB and/or commercial credit card products • Proven ownership across the SMB and commercial credit card lifecycle: • Manual underwriting using both bureau data and cash flow analysis, including financial statement analysis • Credit policy and risk strategy development, monitoring, and adjustment • Line assignment, spend controls, and account management strategy • Risk assessments for prospective customers • Acquisition strategy across card programs • Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field • Expert in Excel and SQL modeling • Strong financial statement, accounts payable and liquidity analysis skills for SMB and commercial entities • Comfortable using data to build alignment across stakeholders with competing priorities • Collaboration & Communication • Experience working cross-functionally with product, engineering, finance, compliance, bank partners, and capital providers • Exceptional communicator — able to translate complex credit concepts for executive, partner, and cross-functional audiences (written and verbal) • Mindset & Adaptability • Comfortable in a build environment — moves fluidly between strategy and execution without a large supporting team • Thrives in fast-paced, dynamic settings with shifting priorities • Demonstrated ability to adapt credit strategies in response to portfolio performance changes or macroeconomic conditions • Your Manager • Your Manager • Neha Nanda, Senior Director, Credit Risk • Our (typical) process: • Application Submission • Recruiter video call • Hiring manager video call • Virtual “Onsite” consisting of 4-5, 45 min calls
Benefits
• Marqeta is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate pay to a competitive value according to working location. Compensation is aligned according to three tiers within the United States: • National: A baseline tier that applies to most of the geographic territory of the United States. • National • Premium: Slightly elevated from the National tier, and oriented toward a narrower set of higher cost-of-living areas, such as Los Angeles CA and Seattle WA • Premium • Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and New York City. • Premium Plus • Visit this page or consult with a Recruiter to determine which tier would be applicable to you. • When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this position is: • National: $123,000 - $153,800 • Premium: $133,100 - $166,400 • Premium Plus: $144,700 - $180,900 • We also believe in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company. • Along with monetary compensation, Marqeta offers • Multiple health insurance options • Flexible time off – take what you need • Retirement savings program with company contribution and after tax contributions • Equity in a publicly-traded company and an Employee Stock Purchase Program • Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave • Free therapy sessions, financial and professional coaching, and legal advice • Monthly stipend to support our remote work model • Annual “development dollars” to support our people growth and development • Through Flex First, the freedom to live and work wherever you and your family thrive
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