Credit Risk Developer Jobs in Santa Clara, CA (NOW HIRING)

As a premier and rapidly expanding provider of small business financing within the United States, QuickBooks Capital operates as a financial technology innovator under Intuit, committed to transforming the landscape of small business lending. Our primary product offerings include term loans and lines of credit, both of which are developed and evolved with a steadfast commitment to customer-centricity. We are building a world-class team of problem-solvers and visionary thinkers who thrive on cross-functional collaboration and high-stakes challenges. The small business lending sector has been experiencing rapid evolution with the emergence of sophisticated alternative data and methodologies. We are seeking a visionary credit leader to lead a multi-billion dollar lending function, an individual who integrates a disciplined risk management foundation with an innovation-first mindset. If you are a professional dedicated to driving sustainable growth and continuous evolution within a highly dynamic, pioneering, and collaborative professional environment, we would like to hear from you.  

Responsibilities

The role as QuickBooks Capital credit risk manager will own the responsibilities including: 

Portfolio Ownership & Strategy

• Oversee the overall credit risk strategy development for QB Capital Direct Lending products. 
• Define risk appetite, portfolio guardrails, and return thresholds aligned with business objectives
• Drive portfolio growth while maintaining disciplined risk management and strong unit economics
• Anticipate macroeconomic and market-driven risks; adapt strategy proactively

Credit Strategy & Decisioning

• Lead the design and evolution of underwriting strategies, segmentation, and pricing frameworks
• Oversee credit policy, approval strategies, and line assignment methodologies
• Guide test-and-learn experimentation to continuously optimize risk vs. growth tradeoffs
• Ensure scalable, automated decisioning aligned with long-term platform goals

Analytics, Modeling & Insights

• Set the vision for portfolio analytics, including vintage performance, lifetime value, and risk-adjusted returns
• Partner with Data Science to prioritize and shape credit models and decision systems
• Translate data into clear, strategic recommendations for executive stakeholders
• Establish KPIs and reporting frameworks that drive accountability and transparency

Cross-Functional Leadership

• Act as the primary risk partner to Product, Capital Markets, Finance, and Operations
• Influence product roadmap decisions to embed risk-aware design and customer segmentation
• Support capital strategy, including investor discussions, forward flow agreements, and funding optimization
• Align stakeholders on tradeoffs between growth, customer experience, and credit risk

Team Leadership & Capability Building

• Lead and mentor a team of credit risk analysts and managers (or build the team as the portfolio scales)
• Establish best practices in credit risk management, experimentation, and governance
• Foster a culture of data-driven decision-making and continuous improvement

Governance & Regulatory Oversight

• Ensure robust risk governance, including policy frameworks, model validation, and audit readiness
• Interface with internal risk, compliance, and legal teams to meet regulatory expectations
• Present portfolio performance, risks, and strategies to senior leadership and risk committees

Qualifications

Basic Qualifications

• Advanced degree (MS/PhD) in a quantitative field such as Statistics, Economics, Operations Research, Engineering, or a related discipline
• 15+ years of experience in credit risk within lending, fintech, or financial services, with significant ownership of portfolio performance
• 8+ years of people leadership experience, including building, managing, and developing high-performing teams of risk analysts and/or data scientists
• Proven track record owning credit strategy for large-scale lending portfolios (preferably $2B+), with demonstrated impact on growth, loss performance, and profitability
• Deep expertise in underwriting, credit policy design, and end-to-end portfolio risk management across the customer lifecycle
• Strong analytical and technical skills, including hands-on experience with SQL and data-driven decisioning; ability to work closely with data science on models and experimentation
• Demonstrated ability to define risk appetite, translate business goals into actionable credit strategies, and execute through cross-functional teams
• Strong business acumen with experience balancing risk, growth, and customer experience in a dynamic environment
• Excellent communication skills, with the ability to synthesize complex quantitative insights into clear, actionable recommendations for executive stakeholders
• Proven ability to operate with high ownership, navigate ambiguity, and lead large, cross-functional initiatives end-to-end

Preferred Qualifications

• Experience in small business lending, merchant financing, cash flow underwriting or embedded finance ecosystems
• Familiarity with alternative data underwriting (e.g., cash flow, transaction data) and modern fintech credit approaches
• Direct experience developing, deploying, or overseeing credit risk models and decision engines in production environments
• Experience partnering with Capital Markets teams, including exposure to funding strategies, forward flow agreements, or investor reporting
• Strong understanding of regulatory expectations, model governance, and risk controls in a lending environment
• Prior experience in a high-growth or platform-based business, with a track record of scaling risk infrastructure alongside product growth

What You’ll Bring

• Strategic ownership mindset with the ability to operate at both high-level and deep-dive detail
• Strong business judgment and ability to balance growth, risk, and customer impact
• Comfort navigating ambiguity and shaping new products or portfolios from early stages
• Executive-level communication and storytelling with data

Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit®: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.