Engagement Manager - Credit Risk Strategy, Sonoma

Role: Engagement Manager - Credit Risk Strategy
Location: Bay Area
Type: Hybrid (2-3 days from office)
Roles & Responsibilities
As a Senior Risk Strategy Leader, you will lead the design and execution of enterprise-scale, data-driven financial risk and fraud strategies across money movement products.
You will own strategic risk policy direction and oversee the end-to-end policy lifecycle — from opportunity identification and hypothesis development to testing, deployment, monitoring, and optimization — leveraging large-scale data to balance risk mitigation, customer experience, and sustainable business growth.
You will serve as a strategic partner to senior leadership and collaborate cross-functionally to drive scalable risk solutions and respond to critical business and risk events.
Lead the development and execution of financial risk and fraud strategies supporting key business initiatives and rapidly evolving risk environments
Provide strategic oversight during high-severity and time-sensitive risk incidents, driving coordinated response and mitigation actions
Leverage advanced analytics, statistical modelling, and deep domain expertise to design scalable risk frameworks using large-scale transactional and account-level data
Own and optimize the end-to-end risk strategy and policy lifecycle: opportunity identification, strategy design, experimentation, deployment, governance, monitoring, and continuous improvement
Drive portfolio-level risk management strategies across underwriting, fraud, credit, and money movement products while balancing risk, growth, and customer experience objectives
Partner with senior stakeholders across Data Science, Risk Operations, Product, Engineering,
Finance, Compliance, and Analytics teams to influence strategic decisions and business outcomes
Lead segmentation strategy development, portfolio analytics, and performance deep dives to identify emerging risks and growth opportunities
Design and refine underwriting frameworks, credit limits, eligibility policies, and customer risk segmentation strategies
Establish scalable monitoring frameworks and governance processes to proactively manage portfolio trends, concentration risks, and segment-level performance
Drive hypothesis-led innovation and experimentation to improve approval rates, reduce losses, and enhance operational efficiency
Mentor and guide junior analysts and strategy team members, fostering analytical excellence and strategic thinking across the organization
Communicate complex analytical insights and strategic recommendations effectively to executive leadership and cross-functional stakeholders
Key Business Problems / Use Cases:
Enterprise-scale underwriting, credit policy, and eligibility strategy optimization
Portfolio risk management, concentration risk assessment, and performance monitoring across customer segments
Fraud strategy design and money movement risk mitigation across payment ecosystems
Financial loss forecasting, behavioural modelling, and risk-adjusted growth optimization using payments, card/ACH, and account-level data
Hypothesis-driven strategy development and experimentation to improve customer outcomes and portfolio profitability
End-to-end risk policy lifecycle management: strategy design experimentation deployment governance optimization
Scenario modelling and impact assessment for new products, market expansions, and policy changes
Cross-functional strategic planning to balance growth, operational efficiency, compliance, and risk exposure
Extensive experience in risk strategy, credit policy, underwriting, fraud strategy, or financial analytics within financial services or fintech environments
Proven track record of leading large-scale analytical initiatives and influencing strategic business decisions
Strong expertise in leveraging large datasets and advanced analytical techniques to solve complex business and risk problems
Advanced proficiency in SQL and Python for analytics, modelling, and strategy implementation
Deep experience in statistical modelling, forecasting, risk analytics, and experimental design
Strong business acumen with the ability to translate complex analytical insights into actionable strategic recommendations
Excellent executive communication, stakeholder management, and cross-functional leadership skills
Experience operating in fast-paced, high-growth, and highly regulated environments
Demonstrated ability to mentor teams, drive collaboration, and influence senior leadership
Candidate Profile:
Preferred Qualifications:
Bachelor's degree in quantitative fields such as Data Science, Statistics, Mathematics, Economics, Finance, or Engineering
Master's degree or MBA in a quantitative or business discipline preferred
Experience in financial services, fintech, banking, payments, or risk management domains
Exposure to money movement products, payment ecosystems, fraud operations, or lending platforms
Experience building scalable risk frameworks, governance models, and automated decisioning systems
Familiarity with modern data platforms, BI tools, and large-scale experimentation frameworks