194K–285K USD / year
Senior Director, Credit Risk
OperationsRemote — United States
Published on 2026-10-19
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About this role
Lead and scale Marqeta’s credit underwriting organization, shaping strategy for consumer, commercial, and co-brand credit programs. The role combines portfolio oversight, underwriting model development, and executive-level partnership with customers and bank partners.
About the company
Marqeta provides modern card issuing and payment infrastructure for fintechs and brands. It enables companies to create, control, and authorize card programs programmatically.
The team
Credit underwriting and risk organization, initially a team of 2 with plans to grow to 10+ professionals.
What you'll do
- Build and lead the credit organization and develop a high-performing team.
- Oversee portfolio performance and account management across consumer and commercial programs.
- Build and refine underwriting models using statistical modeling and data science.
- Monitor portfolio performance and adjust credit policies and strategies.
- Set credit strategies and manage KPIs such as approval rates, losses, and profitability.
- Strengthen risk documentation and collaborate with bank partners on model validation and governance.
- Partner with Product on credit systems, data strategy, and underwriting automation.
- Advise customers and bank partners on credit strategy and represent Marqeta’s credit capabilities.
What we're looking for
- 12–15+ years of credit underwriting experience at major banks.
- Experience across co-brand, subprime, consumer card, and commercial card portfolios.
- Bachelor’s degree or equivalent in a relevant field.
- Strong Excel and SQL modeling skills and programming/data analytics experience in R or Python.
- Exceptional communication skills and ability to work effectively with executives, customers, and partners.
- Comfort with both traditional banking rigor and fintech pace.
Nice to have
- PhD or advanced statistical background in statistics, mathematics, or a quantitative field.
- Capital markets experience, including ABS, securitization, or warehouse lines.
- Fraud management experience.
Benefits
- Annual performance bonus.
- Equity in a publicly traded company and an employee stock purchase program.
- Flexible time off.
- Retirement savings program with company contributions.
- Up to 20 weeks of parental leave and family-forming benefits.
- Monthly remote-work stipend.
Hiring process
- Recruiter video call
- Hiring manager video call
- Virtual onsite with six 30–45-minute interviews
- Finalist interview with the CEO