The Opportunity

As Senior Manager, Credit Strategy, you'll play a critical role in shaping the underwriting and pricing strategy for one of Oportun's largest lending portfolios. You'll develop and optimize strategies that balance responsible growth, credit performance, customer outcomes, and long-term profitability. You'll operate as a strategic leader across Risk, Product, Marketing, and Finance, using rigorous analytics and sound business judgment to identify opportunities, develop proposals for senior management and committee approval, and translate approved strategies into action. Success in this role means materially improving portfolio performance through disciplined strategy development, implementation, and monitoring while helping Oportun responsibly expand access to affordable credit.

At Oportun, we move fast and we hold each other to a high bar. If you care about doing your best work while actually moving the needle for real people, you'll fit right in.

What You'll Do

Your day-to-day

• You'll lead the development and ongoing optimization of underwriting and pricing strategies for a large lending portfolio, balancing responsible growth, credit performance, customer outcomes, and risk-adjusted profitability.
• You’ll develop data-driven proposals for these strategies, clearly articulating expected impacts on approval rates, credit losses, growth, revenue, customer outcomes, and profitability for review by senior management and governance committees.
• You’ll design and evaluate tests to optimize loan amounts, terms, and other offer attributes at the appropriate level of granularity, balancing customer access, loss performance, and lifetime profitability within defined business and risk constraints.
• You'll serve as a strategic Risk partner to Product, Marketing, and Finance, bringing a credit-risk and portfolio-economics perspective to major business decisions and cross-functional initiatives. You’ll leverage or enhance the existing marginal profitability and valuation frameworks to assess risk-adjusted returns by customer and risk segment, informing underwriting, pricing, and offer strategy decisions.
• You'll establish monitoring and measurement frameworks for strategy changes, perform deep portfolio, customer, and strategy analysis using Python and SQL to identify emerging risks, performance trends, and opportunities for optimization.
• You'll bring ideas for how we can do things better — proactively, not just when asked — including thoughtful use of AI and analytical tools to reduce manual work, accelerate insights, and improve decision quality.

Who You Are

The right fit looks like this

You're a highly analytical strategist who is comfortable navigating complex, ambiguous problems and turning data into clear business decisions. You combine strong consumer credit judgment with the ability to influence senior stakeholders across functions, and you take ownership from initial analysis and recommendation through implementation and performance monitoring.

You're comfortable navigating complexity and don't wait for perfect information to move forward. You communicate clearly, give direct feedback, and expect the same in return.

What You Bring

Skills & experience

Required

• 8+ years of experience in consumer lending, credit risk, underwriting, pricing, portfolio strategy, or a closely related analytical strategy function.
• Bachelor's degree, preferably in a quantitative or business discipline such as Economics, Finance, Statistics, Mathematics, Engineering, or a related field.
• Strong expertise in consumer credit, underwriting strategy, pricing, portfolio analytics, and risk-return trade-offs.
• Advanced hands-on proficiency with Python and SQL, including the ability to independently analyze large and complex datasets.
• Experience using data visualization platforms or tools to communicate portfolio trends and strategic insights.
• Demonstrated ability to develop analytically rigorous recommendations, frame strategic trade-offs, and influence senior management and governance committees.
• Strong cross-functional leadership skills, with demonstrated ability to partner effectively across Risk, Product, Marketing, Finance, and technical or operational teams.
• Demonstrated ability to translate approved strategies into implementation plans and establish monitoring frameworks that measure business and credit outcomes.
• Excellent written and verbal communication skills, including the ability to distill complex analyses into clear, executive-ready recommendations.

Nice to Have

• 10+ years of related experience.
• Advanced degree in a quantitative or business discipline.
• Experience developing and implementing direct marketing and pre-qualified offer strategies.
• Familiarity with modern lending decisioning, experimentation, and portfolio monitoring frameworks.
• You've used AI tools (ChatGPT, Copilot, or similar) to improve your own productivity.

Our AI Mindset

We build with AI. We lead with judgment.

AI isn't a feature here. It's how we work.

We're excited about what AI makes possible, and we're looking for people who share that curiosity. You don't need to be an expert. You need to be open to experimenting, willing to learn, and able to apply new tools in ways that actually move the needle.

In this role, you'll be encouraged to explore AI tools, find practical use cases for your function, and bring ideas for working smarter. We believe the best outcomes come when human judgment and AI capability work together.

Why Oportun

What's in it for you

Oportun offers a competitive compensation and benefits package designed to support your physical, financial, and professional well-being. Benefits vary by country of employment.

Some of the benefits available to eligible employees include:

Mexico Benefits:

Medical Insurance Savings FundLife InsuranceInternet and Electricity AllowancePaid time off such as vacation and parental leave

Eligibility and plan details vary by location and employment status. To learn more about Oportun and our benefits, visit oportun.com/careers#LI-REMOTE #LI-GK1