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Hybrid Senior Credit Risk Manager bei Preferred Credit, Inc.

Preferred Credit, Inc. · St Cloud, Vereinigte Staaten Von Amerika · Hybrid

117.000,00 $  -  146.250,00 $

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SENIOR CREDIT RISK MANAGER

Must be in Central MN or Southern NV and have reasonable commute to St. Cloud, MN or Las Vegas, NV due to in-office requirements. 

SCHEDULE: Full-Time, Monday–Friday 8:00am-5:00pm CST / 10:00am-7:00pm PST.

COMPENSATION: Starting Pay $117,000 - $146,250 per year. (The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.)

WHO WILL SHINE IN THIS ROLE

Are you looking for an opportunity to lead strategic credit risk initiatives, optimize policies and make data-driven decisions? PCI is looking for a Senior Credit Risk Manager to lead credit risk initiatives that fuel business growth while protecting our standards. You’ll champion policy development, oversee high-performing teams, and partner across the organization to drive smarter credit decisions.

WHAT YOU’LL DO

  • Design and implement robust credit risk and underwriting policies that align with regulatory frameworks, internal controls, and client success goals.
  • Develop and maintain SOPs and training materials for operational underwriting team to ensure consistent underwriting execution.
  • Oversees the credit risk monitoring framework to forecast portfolio risk exposure and ensuring consistent reporting on approval rates, default rates, and emerging trends.
  • Manages cross-functional initiatives in collaboration with Underwriting, Compliance, Analytics, Markets and Finance to enhance end-to-end credit risk management.
  • Serves as a senior point of escalation for complex or exception-based credit applications, reviewing and approving decisions beyond standard policy parameters.
  • Oversees the production and presentation of regular performance reports for senior leadership, including portfolio performance, risk segmentation, and KPI dashboards.

WHAT WE’RE LOOKING FOR

Must-Have Qualifications:

  • 8+ years’ experience in consumer credit industry, ideally within unsecured lending, BNPL, or auto/fintech environments.
  • In-depth understanding of credit reporting systems and financial qualification metrics.
  • Skilled in analyzing data, making informed decisions, and managing complex tasks with precision.

Nice to have, but not Required:

  • Experience working in automated or model-driven credit decisioning environments.
  • Familiarity with fraud prevention, KYC/AML compliance, or identity verification tools.

LOCATION & WORK SETTING

  • Office Address: 628 Roosevelt Rd, St. Cloud, MN, 56301 OR 9911 Covington Cross Dr. Suite 190 Las Vegas, NV, 89144
  • Schedule: Full-Time, Monday–Friday 8:00am-5:00pm CST / 10:00am-7:00pm PST.
  • Work Setting: In-Office w/some flexibility. 

    COMPETITIVE COMPENSATION & BENEFITS

    • Starting Pay: $117,000 - $146,250 per year.
      • The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

    Additional Perks that Go the Extra Mile:

    • Annual Discretionary Bonus
    • Earned Safe & Sick Time (ESST)
    • Paid Maternity & Paternity Leave
    • Paid Time Off (PTO) & 8 Paid Holidays
    • Donation Matching & Paid Volunteer Time
    • 401(k) Match – 100% of your deferrals up to 5%
    • Tuition Reimbursement & Student Loan Match Program

    HOW TO APPLY

    It only takes a couple minutes! Submit your resume on our website at preferredcredit.com/careers.

    EQUAL EMPLOYMENT OPPORTUNITY

    PCI is an equal employment opportunity employer committed to diversity, equity, & inclusion. We make hiring decisions based on qualifications, merit, and business needs. If you need assistance or an accommodation due to disability, please contact PCI HR at [email protected].

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