Credit Risk Strategy Manager Location: San Francisco Bay Area Work Mode: Hybrid (2-3 days/week in office) Role Summary: The role will support the analysis, development and optimization of credit policies and strategies, with a focus on underwriting, credit line / loan amount assignment, and risk-based pricing. The individual will use analytical tools and data-driven insights to identify opportunities for profitable portfolio growth while effectively managing credit risk across the customer lifecycle. Responsibilities: • Assist in the analysis, development and monitoring of credit policies, including underwriting, line assignment and pricing strategies. • Analyze credit and portfolio data to identify opportunities for risk-adjusted growth and recommend policy changes. • Develop and optimize underwriting criteria, credit line assignment and risk-based pricing strategies. • Evaluate the impact of credit policy changes through portfolio analysis, scenario testing and experiments. • Translate credit policies and strategies into business rules using SQL and Python. • Monitor key credit risk and business performance metrics and proactively identify emerging trends. • Collaborate with Risk, Product, Technology and Operations teams to implement credit policy changes. Requirements: • 6+ Years of experience in Credit Risk • Strong analytical skills with hands-on experience in SQL; working knowledge of Python preferred. • Experience in credit risk strategy, credit policy, underwriting or portfolio analytics within Banking / Financial Services. • Good understanding of credit underwriting, line assignment / credit limit strategies and risk-based pricing. • Ability to analyze customer, application, bureau and portfolio data to identify trends and develop credit policy recommendations. • Experience in evaluating the impact of policy changes on approval rates, credit losses, profitability and portfolio growth. • Understanding of credit risk concepts such as eligibility criteria, risk segmentation, cut-offs, affordability, exposure management and pricing. • Ability to define and monitor relevant risk and business KPIs to measure strategy performance. • Experience with strategy testing, scenario analysis and A/B testing is preferred. • Knowledge of external credit data sources such as credit bureaus, FICO or similar third-party data is preferred. • Strong problem-solving skills with the ability to translate analytical findings into actionable business recommendations. • Ability to communicate and present analyses and recommendations effectively to business and risk stakeholders. • Knowledge of coding best practices, data manipulation and development of reusable analytical frameworks.