Senior Manager, Credit

About the Role

Engine X is growing fast and credit decisioning is a core risk control. The Sr. Manager, Credit owns the underwriting operating model for Engine’s corporate card: the credit standard, the backtest infrastructure, the portfolio analytics, and the team executing against it.

The end state is a credit function where the majority of applications are decided automatically, with human judgment reserved for complexity and edge cases. You're the person who builds the bridge from here to there — owning the manual operation today while driving the criteria, model inputs, and policy decisions that make automation possible.

What You'll Do

• Hold the credit team accountable to the underwriting standard — set decision quality expectations, review portfolio performance, and ensure the team executes with consistency and rigor.
• Write and own the credit underwriting standard: what signals support which limits, what triggers exception treatment, and what the escalation path is.
•  Build backtest infrastructure — run proposed rule changes against historical application data before deploying, including false positive analysis on approved accounts.
• Partner with Data Science on credit model inputs, validation, and the transition from manual review to automated decisioning.
•  Lead and develop the credit team — set expectations, provide feedback, and build analytical capability.
• Deliver portfolio analytics to leadership — delinquency rates, cohort performance, limit utilization, and exception trends.
• Coordinate with Fraud Operations on application fraud signals that overlap with underwriting decisions.
• Partner with senior leadership on credit policy governance — ensuring credit policy changes go through the right review and sign-off process.

What We're Looking For

• 8+ years of credit underwriting or credit risk experience.
• 3+ years of experience leading a credit team with a proven track record of designing operating models, not just managing existing ones.
• Commercial Credit Expertise: Deep experience in business or commercial underwriting—setting credit limits, interpreting financial signals, and making independent credit decisions.
• Risk & Bureau Tools: Hands-on experience with commercial credit bureaus (D&B or equivalent) and end-to-end ownership of KYB (Know Your Business) processes.
• Automation-Minded Philosophy: You view manual underwriting as a temporary state, actively track human-in-the-loop decision metrics, and systematically work to drive automation rates up.
• Portfolio Analytics & Reporting: Proven capability in tracking key metrics like delinquency, cohort performance, and limit utilization, alongside strong written communication for clear exception documentation and executive updates.
• Industry Context: Background in a fast-paced fintech, corporate card, or SMB credit environment.
• Bonus Qualifications: Experience contributing to automated credit decisioning engines; proficiency in SQL or Snowflake for self-serve data analysis.