Credit Risk Developer Jobs in Chicago, IL (NOW HIRING)

Job Summary:
Snap Finance is committed to providing accessible financing solutions regardless of credit history and fosters an inclusive culture. They are seeking a Senior Manager, Product Lead – Credit Building to lead the Credit Building business, focusing on defining vision, strategy, and portfolio plans to enhance customer experiences in building or rebuilding credit.
Responsibilities:
• Own the business vision and strategy for the Credit Building portfolio, aligned with Seen and Snap priorities.
• Develop and present strategic proposals and business cases (e.g., new products, features, pricing, product constructs, partnerships, and distribution channels) to the Product Leader for GPCC & Credit Building and senior leadership.
• Define clear goals and KPIs for the Credit Building business and develop a financial plan (e.g., volume, revenue, losses, unit economics) aligned to those KPIs.
• Monitor and track KPIs, goals, and financial performance; identify gaps versus plan and propose solutions and course corrections.
• Translate strategy, insights, and financial goals into structured business cases and product requirements that inform roadmaps owned by Product and Engineering.
• Collaborate with Marketing, Risk, Compliance, and Operations to align on scope and timing for initiatives and ensure that launches are feasible, well-supported, and set up for success.
• Track progress of key initiatives, raise risks, and recommend tradeoffs from a business perspective.
• Deeply understand the needs of consumers who are new to credit, rebuilding credit, or thin-file/near-prime.
• Monitor competitive landscape, market trends, and regulatory changes in credit building products.
• Partner with the Marketing team to identify, size, and maximize cross-sell opportunities into Credit Building from other Snap/Seen products (e.g., leveraging existing customers, applicants, or declined populations).
• Propose journeys, offers, and targeting strategies that use customer and application data from other Snap product lines; work with partner teams to implement and optimize these experiences.
• Partner with Analytics and Finance to build robust measurement frameworks for business performance (e.g., acquisition, activation, revenue, unit economics).
• Design and propose experiments and A/B tests with Analytics, Marketing, and Product teams; interpret results and recommend actions to improve customer outcomes, cross-sell performance, and business metrics.
• Proactively identify issues, diagnose drivers of performance (e.g., funnel drops, loss trends, channel performance), and develop data-driven action plans.
• Work closely with Risk, Compliance, and Legal to ensure proposals and initiatives support sound risk management and regulatory expectations.
• Incorporate regulatory requirements and risk policies into business proposals and requirements, and partner with Product and Operations to embed them in product design and processes.
• Collaborate with Operations to identify pain points and recommend improvements to onboarding, servicing, and issue resolution for credit building customers.
• Act as the single threaded business leader for Credit Building within the GM org, coordinating stakeholders across Product, Risk, Marketing, Operations, and other partner teams.
• Communicate business priorities, tradeoffs, financial impact, and performance clearly to executive stakeholders.
• Help shape how Credit Building fits into the overall Snap/Seen card strategy (alongside GPCC and other credit products).
Qualifications:
Required:
• 5+ years of product management, business management, or closely related experience, ideally in consumer finance, credit cards, banking, or fintech.
• Demonstrated experience owning a product, program, or portfolio from a business / P&L perspective: defining KPIs, building financial plans, and driving execution with cross-functional teams.
• Strong analytical skills; comfortable working with data, defining metrics, and partnering with Analytics, Finance, and Marketing to make decisions.
• Experience working with cross-functional partners such as Product, Risk, Marketing, Operations, and Compliance.
• Ability to think strategically and execute pragmatically—balancing growth, customer experience, and risk.
• Excellent written and verbal communication skills, with the ability to influence across levels and functions.
Preferred:
• Experience in credit building products (e.g., secured cards, builder cards, alternative data), consumer lending, or credit risk-heavy products.
• Experience driving cross-sell / lifecycle strategies across multiple financial products.
• Background in a high-growth fintech or startup environment.
• Familiarity with credit card lifecycle metrics and risk / loss levers.
• Experience working with external partners or issuers.
Company:
Snap Finance is a fintech company that specializes in providing consumer financing and lease-to-own purchase options. Founded in 2012, the company is headquartered in Salt Lake City, USA, with a team of 1001-5000 employees. The company is currently Late Stage.