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Credit Card Risk Management Jobs in California (NOW HIRING)

SoFi

Credit Strategy - Risk Lead

San Francisco, CA · On-site

SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies ...

Sunbit

Director of Card Fraud

Los Angeles, CA · On-site +1

Bonus: Vendor management skills; knows how to negotiate and drive effectiveness with data suppliers and partners * Bonus: Experience in credit card transaction risk modeling * Double bonus:

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Credit Card Risk Management information

What is the difference between Credit Card Risk Management vs Credit Analyst?

AspectCredit Card Risk ManagementCredit Analyst
Primary FocusManaging risks associated with credit card portfoliosAssessing creditworthiness of individual borrowers
Work EnvironmentFinancial institutions, credit card companiesBanks, lending institutions
Required CredentialsFinance, risk management certifications often preferredFinance, accounting degrees, certifications like CFA

Credit Card Risk Management focuses on overseeing and mitigating risks related to credit card portfolios, while Credit Analysts evaluate individual credit applications. Both roles require financial knowledge and analytical skills, but their scope and daily tasks differ significantly.

What are some common challenges faced in Credit Card Risk Management roles, and how can they be addressed?

Professionals in Credit Card Risk Management often navigate challenges such as staying ahead of evolving fraud tactics, balancing risk controls with customer experience, and adapting to regulatory changes. Addressing these requires continuous learning, leveraging advanced data analytics, and maintaining strong communication with compliance, IT, and customer service teams. Proactively collaborating with cross-functional departments helps ensure that risk policies are both effective and customer-friendly, while regular training on new fraud trends keeps teams prepared.

What is credit card risk management?

Credit card risk management is the process of identifying, assessing, and mitigating risks associated with issuing and managing credit cards. This includes evaluating the creditworthiness of applicants, monitoring accounts for signs of fraud or default, and implementing policies to minimize financial losses for the credit card issuer. Professionals in this field use data analysis, risk modeling, and regulatory guidelines to ensure responsible lending and maintain the financial health of credit card portfolios.

What are the key skills and qualifications needed to thrive in Credit Card Risk Management, and why are they important?

To thrive in Credit Card Risk Management, you need strong analytical skills, knowledge of financial regulations, and experience with credit risk assessment, often supported by a degree in finance, economics, or a related field. Familiarity with risk modeling software, data analytics tools (such as SAS or SQL), and regulatory compliance systems is typically required. Attention to detail, critical thinking, and effective communication are important soft skills for making sound judgments and collaborating with cross-functional teams. These competencies are essential for identifying, mitigating, and managing potential credit risks to protect the financial health of the organization.
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Credit Card Risk Management jobs near you
Infographic showing various Credit Card Risk Management job openings in California as of June 2026, with employment types broken down into 83% Full Time, 14% Part Time, and 3% Temporary. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution.
Staff Product Manager, Credit Card

Staff Product Manager, Credit Card

GoodLeap

Roseville, CA

Full-time

Posted 18 days ago

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GoodLeap rating

8.2

Company rating: 8.2 out of 10

Based on 12 frontline employees who took The Breakroom Quiz

Job description

About GoodLeap:
GoodLeap is a technology company delivering best-in-class financing and software products for sustainable solutions, from solar panels and batteries to energy-efficient HVAC, heat pumps, roofing, windows, and more. Over 1 million homeowners have benefited from our simple, fast, and frictionless technology that makes the adoption of these products more affordable, accessible, and easier to understand. Thousands of professionals deploying home efficiency and solar solutions rely on GoodLeap’s proprietary, AI-powered applications and developer tools to drive more transparent customer communication, deeper business intelligence, and streamlined payment and operations. Our platform has led to more than $30 billion in financing for sustainable solutions since 2018.
 
GoodLeap is also proud to support our award-winning nonprofit, GivePower, which is building and deploying life-saving water and clean electricity systems, changing the lives of more than 1.6 million people across Africa, Asia, and South America.

The Staff Product Manager for GoodLeap, Consumer card will be responsible for the success, growth, and scaled rollout of a card program that touches nearly every team within the company. The role will scale a newly launched product, coordinating across multiple product teams to get things done, and will bring a genuine customer obsession that keeps the homeowner at the center of every roadmap decision.

Essential Job Duties & Responsibilities:
  • Own the post-launch product roadmap for GoodLeap’s card product, balancing near-term operational needs with longer-term product vision, and communicate prioritization decisions and trade-offs clearly to stakeholders
  • Lead the phased rollout strategy for the card product, defining success metrics at each stage and partnering with Marketing to expand access to increasing groups of customers in a deliberate and operationally sound way
  • Collaborate with product teams across GoodLeap — including Payments, B2B, Homeowner, Servicing, and Platform — to align on shared systems and surfaces needed to deliver on the card roadmap and support scaled rollout
  • Serve as the primary product owner bridging strategy and execution: documenting requirements, aligning on acceptance criteria, and working hand-in-hand with engineering through delivery of each roadmap increment
  • Manage relationships with the card product’s external vendor ecosystem — spanning multiple third-party partners across card issuing, underwriting, fraud, and servicing — and ensure vendor roadmaps align with product needs
  • Define and monitor key performance indicators in partnership with Data Analytics and use metrics to inform roadmap decisions and flag issues early
  • Engage directly with customers and partners in partnership with Business Development and customer-facing teams to gather qualitative feedback, and establish a continuous learning loop that drives rapid product improvement after launch
Required Skills, Knowledge & Abilities:
• 7+ years of product management experience, including senior or staff-level ownership with a proven track record of successfully scaling credit card programs
• Demonstrated experience owning a product in its early growth and scaled rollout phases —driving adoption, improving the customer experience based on live data, and expanding availability to new customer segments.
• Familiarity with credit card product mechanics — including underwriting, credit structures, and card network relationships — is required; experience in consumer lending or home finance is a plus.
• Experience with fraud and risk prevention and management is preferred
• Proven ability to collaborate across multiple product and engineering teams without direct reporting authority; skilled at building alignment and keeping delivery on track in complex, matrixed organizations.
• Strong product roadmap and prioritization skills; able to balance near-term product health and operational needs with longer-term growth opportunities and communicate trade-offs clearly to stakeholders.
• Data-driven approach to product decisions; experience defining and monitoring KPIs, interpreting product analytics, and translating data into roadmap actions.
• Entrepreneurial mindset with a high tolerance for ambiguity; energized by the challenge of making a newly launched product work at scale and motivated by measurable customer and business outcomes.
• Experience managing third-party vendor relationships in a fintech or financial services context; comfortable holding vendors accountable to SLAs, evaluating performance, and coordinating vendor roadmaps alongside internal product planning.
• Experience navigating regulatory requirements in consumer lending or card products (e.g., TILA, ECOA, UDAAP, card network compliance) is a plus.
In addition to the above salary, this role may be eligible for a bonus and equity.
Additional Information Regarding Job Duties and Job Descriptions:

Job duties include additional responsibilities as assigned by one's supervisor or other managers related to the position/department. This job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties and other skills required for the position. The Company reserves the right at any time with or without notice to alter or change job responsibilities, reassign or transfer job position or assign additional job responsibilities, subject to applicable law. The Company shall provide reasonable accommodations of known disabilities to enable a qualified applicant or employee to apply for employment, perform the essential functions of the job, or enjoy the benefits and privileges of employment as required by the law.

If you are an extraordinary professional who thrives in a collaborative work culture and values a rewarding career, then we want to work with you!  Apply today!

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