Manager 3, Credit Risk (Fintech)

TL;DR

Manager 3, Credit Risk (Fintech): Oversee credit risk strategy for QuickBooks Capital's small business lending products including term loans and lines of credit with an accent on portfolio ownership, underwriting, and decisioning. Focus on designing scalable automated systems, partnering with data science on models, optimizing risk-growth tradeoffs, and leading cross-functional teams.

Location: Mountain View, California

Salary: $233,500–$316,000 (Bay Area, California)

Company

Global financial technology platform powering prosperity through products like TurboTax, Credit Karma, QuickBooks, and Mailchimp for 100 million customers worldwide.

What you will do

• Oversee credit risk strategy, define risk appetite, portfolio guardrails, and drive growth with disciplined risk management.
• Lead design of underwriting strategies, segmentation, pricing, credit policy, and automated decisioning.
• Shape portfolio analytics, partner with Data Science on credit models, and translate insights into executive recommendations.
• Act as risk partner to Product, Capital Markets, Finance, and Operations, influencing roadmaps and capital strategy.
• Lead and mentor credit risk team, establish best practices in risk management and governance.
• Ensure regulatory compliance, model validation, and present performance to senior leadership.

Requirements

• Advanced degree (MS/PhD) in quantitative field (Statistics, Economics, Operations Research, Engineering)
• 15+ years in credit risk in lending/fintech/financial services with portfolio ownership
• 8+ years people leadership, building/managing risk analyst/data science teams
• Proven track record with large-scale lending portfolios ($2B+), impact on growth/loss/profitability
• Deep expertise in underwriting, credit policy, portfolio risk management
• Strong analytical skills with SQL, data-driven decisioning, collaboration with data science
• Business acumen balancing risk/growth/customer experience, executive communication

Nice to have

• Experience in small business lending, cash flow underwriting, embedded finance
• Familiarity with alternative data, modern fintech credit approaches
• Direct experience with credit risk models/decision engines in production
• Partnering with Capital Markets, funding strategies, investor reporting
• Regulatory knowledge, model governance in lending
• High-growth/platform business scaling risk infrastructure

Culture & Benefits

• Competitive compensation with pay-for-performance, cash bonus, equity rewards.
• Strong focus on cross-functional collaboration, innovation, and customer-centricity.
• High-ownership culture thriving on ambiguity, data-driven decisions, continuous improvement.