[Hiring] Senior Manager, Credit Strategy @Oportun

Role Description

As Senior Manager, Credit Strategy, you'll play a critical role in shaping the underwriting and pricing strategy for one of Oportun's largest lending portfolios. You'll develop and optimize strategies that balance responsible growth, credit performance, customer outcomes, and long-term profitability. You'll operate as a strategic leader across Risk, Product, Marketing, and Finance, using rigorous analytics and sound business judgment to identify opportunities, develop proposals for senior management and committee approval, and translate approved strategies into action.

Success in this role means materially improving portfolio performance through disciplined strategy development, implementation, and monitoring while helping Oportun responsibly expand access to affordable credit.

At Oportun, we move fast and we hold each other to a high bar. If you care about doing your best work while actually moving the needle for real people, you'll fit right in.

What You'll Do

• Lead the development and ongoing optimization of underwriting and pricing strategies for a large lending portfolio.
• Develop data-driven proposals for these strategies, articulating expected impacts on approval rates, credit losses, growth, revenue, customer outcomes, and profitability.
• Design and evaluate tests to optimize loan amounts, terms, and other offer attributes.
• Serve as a strategic Risk partner to Product, Marketing, and Finance.
• Establish monitoring and measurement frameworks for strategy changes.
• Perform deep portfolio, customer, and strategy analysis using Python and SQL.
• Bring ideas for process improvements proactively, including the use of AI and analytical tools.

Qualifications

• 8+ years of experience in consumer lending, credit risk, underwriting, pricing, portfolio strategy, or a closely related analytical strategy function.
• Bachelor's degree, preferably in a quantitative or business discipline such as Economics, Finance, Statistics, Mathematics, Engineering, or a related field.
• Strong expertise in consumer credit, underwriting strategy, pricing, portfolio analytics, and risk-return trade-offs.
• Advanced hands-on proficiency with Python and SQL.
• Experience using data visualization platforms or tools to communicate portfolio trends and strategic insights.
• Demonstrated ability to develop analytically rigorous recommendations and influence senior management.
• Strong cross-functional leadership skills.
• Demonstrated ability to translate approved strategies into implementation plans.
• Excellent written and verbal communication skills.

Requirements

• 10+ years of related experience (Nice to Have).
• Advanced degree in a quantitative or business discipline (Nice to Have).
• Experience developing and implementing direct marketing and pre-qualified offer strategies (Nice to Have).
• Familiarity with modern lending decisioning, experimentation, and portfolio monitoring frameworks (Nice to Have).
• Experience using AI tools to improve productivity (Nice to Have).

Benefits

• Medical Insurance
• Savings Fund
• Life Insurance
• Internet and Electricity Allowance
• Paid time off such as vacation and parental leave