Engagement Manager - Credit Risk Strategy

Role: Engagement Manager - Credit Risk StrategyLocation: Bay AreaType: Hybrid (2-3 days from office)Roles & ResponsibilitiesAs 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 environmentsProvide strategic oversight during high-severity and time-sensitive risk incidents, driving coordinated response and mitigation actionsLeverage advanced analytics, statistical modelling, and deep domain expertise to design scalable risk frameworks using large-scale transactional and account-level dataOwn and optimize the end-to-end risk strategy and policy lifecycle: opportunity identification, strategy design, experimentation, deployment, governance, monitoring, and continuous improvementDrive portfolio-level risk management strategies across underwriting, fraud, credit, and money movement products while balancing risk, growth, and customer experience objectivesPartner with senior stakeholders across Data Science, Risk Operations, Product, Engineering,Finance, Compliance, and Analytics teams to influence strategic decisions and business outcomesLead segmentation strategy development, portfolio analytics, and performance deep dives to identify emerging risks and growth opportunitiesDesign and refine underwriting frameworks, credit limits, eligibility policies, and customer risk segmentation strategiesEstablish scalable monitoring frameworks and governance processes to proactively manage portfolio trends, concentration risks, and segment-level performanceDrive hypothesis-led innovation and experimentation to improve approval rates, reduce losses, and enhance operational efficiencyMentor and guide junior analysts and strategy team members, fostering analytical excellence and strategic thinking across the organizationCommunicate complex analytical insights and strategic recommendations effectively to executive leadership and cross-functional stakeholdersKey Business Problems / Use Cases:Enterprise-scale underwriting, credit policy, and eligibility strategy optimizationPortfolio risk management, concentration risk assessment, and performance monitoring across customer segmentsFraud strategy design and money movement risk mitigation across payment ecosystemsFinancial loss forecasting, behavioural modelling, and risk-adjusted growth optimization using payments, card/ACH, and account-level dataHypothesis-driven strategy development and experimentation to improve customer outcomes and portfolio profitabilityEnd-to-end risk policy lifecycle management: strategy design experimentation deployment governance optimizationScenario modelling and impact assessment for new products, market expansions, and policy changesCross-functional strategic planning to balance growth, operational efficiency, compliance, and risk exposureExtensive experience in risk strategy, credit policy, underwriting, fraud strategy, or financial analytics within financial services or fintech environmentsProven track record of leading large-scale analytical initiatives and influencing strategic business decisionsStrong expertise in leveraging large datasets and advanced analytical techniques to solve complex business and risk problemsAdvanced proficiency in SQL and Python for analytics, modelling, and strategy implementationDeep experience in statistical modelling, forecasting, risk analytics, and experimental designStrong business acumen with the ability to translate complex analytical insights into actionable strategic recommendationsExcellent executive communication, stakeholder management, and cross-functional leadership skillsExperience operating in fast-paced, high-growth, and highly regulated environmentsDemonstrated ability to mentor teams, drive collaboration, and influence senior leadershipCandidate Profile:Preferred Qualifications:Bachelor's degree in quantitative fields such as Data Science, Statistics, Mathematics, Economics, Finance, or EngineeringMaster's degree or MBA in a quantitative or business discipline preferredExperience in financial services, fintech, banking, payments, or risk management domainsExposure to money movement products, payment ecosystems, fraud operations, or lending platformsExperience building scalable risk frameworks, governance models, and automated decisioning systemsFamiliarity with modern data platforms, BI tools, and large-scale experimentation frameworks