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Credit Strategy Jobs (NOW HIRING)

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

Support the Credit Strategy for the US market * Directly contribute to delivery of US business KPIs (e.g. growth, profitability, loss rate etc.) * Collaborate with Credit Risk colleagues across all ...

YouLend

Credit Risk Lead

Atlanta, GA · On-site

Ownership of the Credit Strategy for the US market * Directly contribute to delivery of business KPIs as part of the wider US management team (e.g. growth, profitability, loss rate etc.

YouLend Limited

Credit Risk Lead

Atlanta, GA · On-site

$100 - $130/hr

Ownership of the Credit Strategy for the US market * Directly contribute to delivery of business KPIs as part of the wider US management team (e.g. growth, profitability, loss rate etc.

Best Egg

Credit Forecasting Manager I

Wilmington, DE · On-site

$160K - $175K/yr

You will partner closely with Credit Strategy, Capital Markets, and Data teams to ensure forecasts are accurate, explainable, and aligned with business expectations. Core Responsibilities * Lead ...

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Credit Strategy information

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$54K

$100.9K

$150K

How much do credit strategy jobs pay per year?

As of Aug 15, 2026, the average yearly pay for credit strategy in the United States is $100,896.00, according to ZipRecruiter salary data. Most workers in this role earn between $66,500.00 and $135,000.00 per year, depending on experience, location, and employer.

What is credit strategy?

Credit strategy refers to the methods and policies a company or financial institution uses to assess, manage, and optimize credit risk and lending decisions. Professionals in credit strategy analyze data, monitor market trends, and develop frameworks to guide lending practices while minimizing potential losses. Their work ensures that loans and credit products are offered responsibly and profitably, balancing risk with business growth objectives. Credit strategy is essential for maintaining a healthy loan portfolio and supporting the overall financial stability of an organization.

How does a credit strategy professional typically collaborate with other departments within a financial institution?

Credit Strategy professionals work closely with departments such as Risk Management, Data Analytics, Product Development, and Underwriting. They often participate in cross-functional meetings to align credit policies with overall business objectives, analyze portfolio performance, and adjust strategies based on market trends or regulatory changes. Effective collaboration ensures credit strategies are both financially sound and responsive to customer needs, fostering a well-balanced approach to risk and growth.

What is the difference between Credit Strategy vs Credit Analyst?

AspectCredit StrategyCredit Analyst
Required CredentialsBachelor's degree, financial certifications (e.g., CFA, CPA)Bachelor's degree, finance or accounting background
Work EnvironmentStrategic planning, cross-department collaborationData analysis, credit risk assessment
Employer & Industry UsageFinancial institutions, banks, credit firmsBanks, lending companies, credit agencies
Common Search & ComparisonFocuses on credit policies and risk management strategiesFocuses on evaluating individual or corporate creditworthiness

Credit Strategy professionals develop policies and plans to manage credit risk at an organizational level, while Credit Analysts assess individual credit applications to determine risk. Both roles require financial knowledge, but Credit Strategy is more strategic and policy-oriented, whereas Credit Analysts focus on detailed credit evaluation.

What does a credit strategy do?

A credit strategy involves developing plans and policies to manage credit risk, optimize lending practices, and improve the company's credit portfolio. Credit strategists analyze financial data, market trends, and customer behavior to set credit limits, terms, and collection approaches, often using tools like credit scoring models. Their work helps balance risk and profitability in lending operations.

What are the key skills and qualifications needed to thrive in credit strategy, and why are they important?

To thrive in Credit Strategy, you need strong analytical skills, knowledge of financial principles, and experience with credit risk assessment, often backed by a degree in finance, economics, or a related field. Familiarity with data analytics tools (such as SAS, SQL, or Python), risk modeling systems, and relevant certifications like CFA or FRM are commonly required. Excellent communication, problem-solving abilities, and attention to detail are crucial soft skills for collaborating with stakeholders and making sound credit decisions. These competencies enable professionals to accurately assess risk, develop effective credit policies, and drive profitability while minimizing losses.
More about Credit Strategy jobs

What job categories do people searching Credit Strategy jobs look for?

The top searched job categories for Credit Strategy jobs are:

Credit Strategy jobs near you
Infographic showing various Credit Strategy job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $100,896 per year, or $48.5 per hour.

Credit Strategy & Decisioning Manager

GoodLeap

San Francisco, CA

Full-time

Posted 11 days ago

GoodLeap rating

8.3

Company rating: 8.3 out of 10

Based on 13 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 Credit Strategy and Decisioning Manager will manage execution and delivery of GoodLeap's underwriting policy and procedures. This role manages policy configuration content within the decision platform, monitors and enhances GoodLeap execution processes, and communicates feedback on quality checks and controls regularly to the leadership. This role will also support Capital Markets, Treasury, Credit Risk, Product, and Engineering to conduct feedback loops on policy changes against the business intent, and design and deliver pilots working with internal stakeholders and externally with vendors to continually improve performance of GoodLeap's financing products.
 
Essential Job Duties and Responsibilities
  • Translate credit and underwriting policies into decision platform and maintain accurate and complete documentation of active decisioning flows by API sources including tracking overrides, potential exceptions, and fallback logic.
  • Track how configured policy performs against intent and portfolio results through dashboards on approval rates, pull-through rates, override rates, and policy drift, and run periodic gap assessments to surface any undocumented decisioning nuances before they scale.
  • Brief senior leaders across Capital Markets, Credit Risk, Product, and Engineering on execution status, risks, and open decisions, tailoring the message so each audience understands the trade-offs shaping the decision flow.
  • Maintain a full version history and audit trail of every policy change to support back-testing and regulatory review. Own the change-approval workflows for launching or rolling back strategy changes and maintain the mapping from decision logic to customer communications.
  • Design, deliver, and validate A/B, champion/challenger, and shadow tests on policy changes ahead of production releases with stakeholders in Capital Markets, Product, and Engineering. Evaluate emerging credit and fraud vendor solutions and support pilot integrations that could generate asymmetric returns for GoodLeap.
  • Prioritize and sequence configuration change requests against engineering and product capacity to keep delivery of the strategy on schedule, exercising sound independent judgment on trade-offs with minimal day-to-day direction. 
 
Required Skills, Knowledge, and Abilities
  • Exceptional attention to detail and focus on engineering quality processes, with the ability to trace details and catch discrepancies before they reach production
  • Skilled at building and maintaining monitoring dashboards and translating performance data into clear, actionable insights for leadership
  • Experience using with software such as SQL, Python, Databricks, Tableau, Claude/ChatGPT
  • Deep understanding of credit and underwriting policy and how configuration choices translate into borrower outcomes and portfolio risk
  • Strong sense of ownership over outcomes - from policy configuration through to portfolio performance with minimal need for oversight
  • High integrity and sound judgment - comfortable escalating and surfacing blind spots for leadership rather than smoothing them over
  • Working knowledge of loan decisioning engines including how policy rules interact with third-party data sources.
  • Strong program and project management skills; able to prioritize and sequence competing configuration change requests across engineering and product resourcing
  • Superior written and verbal communication skills; able to communicate complex trade-offs to technical and non-technical audiences and tell a compelling story
  • Collaborative and effectively engage across a wide range of stakeholders - Capital Markets, Treasury, Product, Engineering and Credit Risk
  • Self-starter with strong organizational skills, comfortable owning documentation, version history, and audit trails and balancing execution speed with compliance and audit-readiness
  • Comfortable designing and interpreting A/B tests, champion/challenger frameworks, and other experimentation methods on policy changes
  • Ability to flex seamlessly between strategy and execution, and energized by a dynamic, fast-moving environment
 
$170,000 - $200,000 a year
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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