Credit Strategy Manager (Fintech)

TL;DR

Credit Strategy Manager (Fintech): Defining and executing acquisition channel strategies for a co-branded credit card platform with an accent on the intersection of credit risk and marketing. Focus on optimizing targeting criteria, analyzing channel economics (LTV/CAC), and partnering with data science to ensure profitable growth.

Location: Remote (US) or San Francisco

Salary: $120K – $150K + Equity

Company

hirify.global builds a modern platform for world-class brands to launch smarter, data-driven co-branded credit programs.

What you will do

• Own the credit risk strategy and underwriting parameters for new acquisition channels including affiliates, paid social, and direct mail.
• Define targeting strategies and risk criteria in partnership with credit policy, risk, and data science teams.
• Build business cases and ROI analyses linking application volume to credit outcomes, including LTV, CAC, and expected losses.
• Analyze data independently using SQL to monitor channel-level credit performance and diagnose portfolio quality.
• Collaborate with GMs and brand partners to design channel strategies that balance growth goals with credit quality.
• Establish a test-and-learn cadence for experimentation with structured readouts on acquisition and credit metrics.

Requirements

• 5+ years of experience in credit strategy, acquisition strategy, or risk-adjacent marketing in fintech or financial services.
• Advanced proficiency in SQL for independent data extraction and analysis.
• Strong understanding of credit card economics, including approval rates, vintage loss rates, and LTV-to-CAC ratios.
• Proven ability to build business cases connecting acquisition performance to portfolio economics.
• Experience working cross-functionally across risk, marketing, finance, and data science.

Nice to have

• Experience setting risk appetite or targeting criteria for a card issuer.
• Familiarity with regulatory frameworks governing credit marketing.
• Experience with affiliate platforms, invitation-to-apply programs, or direct mail targeting.
• Exposure to underwriting criteria and credit policy frameworks.

Culture & Benefits

• Competitive compensation and equity packages.
• Fully covered, high-quality healthcare including dependent coverage and FSA option.
• Flexible paid time off.
• Generous parental leave: 20 weeks for primary caregivers and 8 weeks for all new parents.
• Provision of leading configured work computers of your choice.