Hybrid Senior Credit Risk Manager chez Preferred Credit, Inc.

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].