Underwriting Manager - Credit Cards
Ascendo Resources, Fort Lauderdale, FL, United States
The Underwriting Manager will lead the underwriting strategy and credit risk framework for the company’s credit card products. This role is responsible for developing underwriting policies, optimizing approval and pricing strategies, and ensuring portfolio performance aligns with growth and risk objectives in a fast-paced fintech environment.
Key Responsibilities
Own and evolve the underwriting strategy for consumer and/or small business credit card products
Design, implement, and maintain credit policies, decisioning rules, and risk thresholds
Oversee automated underwriting models and credit decision engines (rules-based and ML-driven)
Partner with Data Science to enhance scorecards, risk models, and segmentation strategies
Balance portfolio growth, approval rates, loss performance, and profitability targets
Monitor portfolio performance, delinquency trends, charge-offs, and early warning indicators
Lead credit policy testing, champion/challenger strategies, and continuous optimization
Ensure underwriting practices comply with regulatory requirements (CFPB, Fair Lending, ECOA, FCRA, UDAAP)
Collaborate with Product, Engineering, Compliance, Fraud, and Operations teams on new product launches
Prepare and present credit performance reporting to executive leadership and investors
Manage and mentor underwriting and credit risk team members
Qualifications
5+ years of experience in underwriting or credit risk within credit cards, fintech, or consumer lending
Deep understanding of credit card underwriting, risk-based pricing, and lifecycle credit management
Experience with alternative data, bureau data, and modern fintech underwriting tools
Strong knowledge of consumer credit regulations and fair lending standards
Proven ability to operate in high-growth, data-driven environments
Excellent analytical, communication, and stakeholder management skills
Seniority Level
Director
Employment Type
Full-time
Job Function
Finance
Banking and Financial Services
Benefits
Medical insurance
Vision insurance
401(k)
Paid maternity leave
Paid paternity leave
Miami, FL $150,000.00-$250,000.00 1 week ago
#J-18808-Ljbffr
Key Responsibilities
Own and evolve the underwriting strategy for consumer and/or small business credit card products
Design, implement, and maintain credit policies, decisioning rules, and risk thresholds
Oversee automated underwriting models and credit decision engines (rules-based and ML-driven)
Partner with Data Science to enhance scorecards, risk models, and segmentation strategies
Balance portfolio growth, approval rates, loss performance, and profitability targets
Monitor portfolio performance, delinquency trends, charge-offs, and early warning indicators
Lead credit policy testing, champion/challenger strategies, and continuous optimization
Ensure underwriting practices comply with regulatory requirements (CFPB, Fair Lending, ECOA, FCRA, UDAAP)
Collaborate with Product, Engineering, Compliance, Fraud, and Operations teams on new product launches
Prepare and present credit performance reporting to executive leadership and investors
Manage and mentor underwriting and credit risk team members
Qualifications
5+ years of experience in underwriting or credit risk within credit cards, fintech, or consumer lending
Deep understanding of credit card underwriting, risk-based pricing, and lifecycle credit management
Experience with alternative data, bureau data, and modern fintech underwriting tools
Strong knowledge of consumer credit regulations and fair lending standards
Proven ability to operate in high-growth, data-driven environments
Excellent analytical, communication, and stakeholder management skills
Seniority Level
Director
Employment Type
Full-time
Job Function
Finance
Banking and Financial Services
Benefits
Medical insurance
Vision insurance
401(k)
Paid maternity leave
Paid paternity leave
Miami, FL $150,000.00-$250,000.00 1 week ago
#J-18808-Ljbffr