Senior Manager, Credit

Responsibilities

• Hold the credit team accountable to the underwriting standard — set decision quality expectations, review portfolio performance, and ensure the team executes with consistency and rigor.
• Write and own the credit underwriting standard: what signals support which limits, what triggers exception treatment, and what the escalation path is.
• Build backtest infrastructure — run proposed rule changes against historical application data before deploying, including false positive analysis on approved accounts.
• Partner with Data Science on credit model inputs, validation, and the transition from manual review to automated decisioning.
• Lead and develop the credit team — set expectations, provide feedback, and build analytical capability.
• Deliver portfolio analytics to leadership — delinquency rates, cohort performance, limit utilization, and exception trends.
• Coordinate with Fraud Operations on application fraud signals that overlap with underwriting decisions.
• Partner with senior leadership on credit policy governance — ensuring credit policy changes go through the right review and sign-off process.

Requirements

• 8+ years
• of credit underwriting or credit risk experience.

3+ years

• of experience leading a credit team with a proven track record of designing operating models, not just managing existing ones.
• Deep experience in business or commercial underwriting—setting credit limits, interpreting financial signals, and making independent credit decisions.

Preferred

• Experience contributing to automated credit decisioning engines; proficiency in SQL or Snowflake for self-serve data analysis.

About the Role

Engine X is growing fast and credit decisioning is a core risk control. The Sr. Manager, Credit owns the underwriting operating model for Engine’s corporate card: the credit standard, the backtest infrastructure, the portfolio analytics, and the team executing against it.

The end state is a credit function where the majority of applications are decided automatically, with human judgment reserved for complexity and edge cases. You're the person who builds the bridge from here to there — owning the manual operation today while driving the criteria, model inputs, and policy decisions that make automation possible.

Risk & Bureau Tools

Hands-on experience with commercial credit bureaus (D&B or equivalent) and end-to-end ownership of KYB (Know Your Business) processes.

Automation-Minded Philosophy

You view manual underwriting as a temporary state, actively track human-in-the-loop decision metrics, and systematically work to drive automation rates up.

Portfolio Analytics & Reporting

Proven capability in tracking key metrics like delinquency, cohort performance, and limit utilization, alongside strong written communication for clear exception documentation and executive updates.

Industry Context

Background in a fast-paced fintech, corporate card, or SMB credit environment.

Bonus Qualifications

Applications for this role will be accepted through 01/27/2027 or until the role is filled. We encourage you to apply early, as we may begin reviewing applications before the deadline.

Compensation

Our compensation packages are based on several factors, including your experience, expertise, and location. In addition to a competitive base salary, all roles receive equity. Depending on the role, total compensation may also include an annual bonus. Your recruiter will share your complete compensation package as you move through the process.

Base Pay Range

• $151,300
• $178,000 USD
• The Engine Edge: Perks & Compensation
• We believe in rewarding great work with great benefits:

Compensation

Competitive base pay tied to role and experience, with equity for all employees. Some roles are also eligible for bonuses or commissions.

Benefits

Check out our full list at engine.com/culture

Environments for Success

Different roles have different needs in terms of the environments that drive success which is why we have a hybrid-hub model. Whether you are in one of our amazing offices or fully remote, we'll make sure you have what you need to succeed.

Perks and benefits may vary based on employment type, location, and more