Credit Risk Manager

Summary

Join Mudflap, a fast-growing fintech company revolutionizing the trucking industry, as their new Credit Risk Manager. Lead the development and execution of Mudflap’s credit risk strategy for their fleet card product. You will monitor credit portfolio performance, build and enhance credit models, and collaborate with cross-functional teams. This role requires integrating risk considerations into customer experiences and product launches, designing effective collections strategies, and communicating risk insights to senior leaders. The position offers competitive salary and equity, multiple health benefit options, responsible time off, 401(k) matching, and opportunities for career growth. While located in Palo Alto, CA or Austin, TX is preferred, remote work with periodic travel is possible.

Requirements

• 5+ years of experience in credit risk, preferably within fintech, lending, or mobile payments
• Strong skills in SQL, Python, and Excel, with a track record of building and maintaining credit models and dashboards
• Demonstrated ability to lead both strategic planning and hands-on execution in a dynamic, fast-paced environment
• Deep understanding of the lending lifecycle, credit policy development, and regulatory compliance
• Excellent communication and collaboration skills, with experience presenting to executives and influencing cross-functional team

Responsibilities

• Lead the development and execution of Mudflap’s credit risk strategy, policies, and frameworks for our fleet card product
• Monitor credit portfolio performance, optimize risk-reward tradeoffs, and ensure alignment with business goals and regulatory standards
• Build and enhance credit models and risk monitoring tools using internal, bureau, and alternative data sources
• Collaborate with product, operations, finance, and data teams to integrate risk considerations into customer experiences and product launches
• Design and implement effective collections, repayment, and fraud mitigation strategies to reduce losses
• Communicate risk insights and recommendations to senior leaders and external stakeholders, influencing decision-making at the highest level

Benefits

• Competitive salary and equity in a high-growth startup
• Multiple health benefit options
• Responsible Time Off
• 401(k) matching
• Opportunities and support for major career growth
• Annual Company offsite event (Mudfest!)
• Commuter benefits to ease your travel
• Lunches and snacks to keep you fueled
• A collaborative, high-growth environment where you’ll work closely