Overview
Senior Risk Analytics Manager; Credit Products Jobs in Virginia Beach, USA at B9
Position: Senior Risk Analytics Manager (Credit Products)
About B9
B9 is a fast-growing U.S. fintech building modern banking and credit products for the non-prime consumer. Our platform combines fee-free banking, earned wage access, and credit products designed to help customers manage cash flow, build credit, and access liquidity responsibly.
We operate at scale, with real portfolios, real data, and real impact—and we’re now looking to strengthen our risk leadership as we expand our credit offerings.
Role Overview
We’re hiring a Senior Risk Analytics Manager to own and evolve credit risk strategy across non‑prime lending and subprime credit card products in the U.S. market. This is a senior, high‑impact role with ownership over underwriting, credit limits, utilization, and customer behavior across the full credit lifecycle.
You’ll work closely with Product, Engineering, and Leadership to balance growth, risk, and customer outcomes.
Key Responsibilities
- Lead credit risk strategy for non-prime loans and/or subprime credit cards
- Own underwriting, line assignment, and credit limit management
- Analyze and optimize utilization, repayment behavior, delinquency, and losses
- Monitor portfolio performance and customer cohorts across the lifecycle
- Build and refine risk models, scorecards, and decision logic
- Partner cross-functionally to launch and scale new credit features
- Drive experiments and policy changes to improve risk-adjusted returns
- Provide clear insights and recommendations to senior leadership
What We’re Looking For
- 7+ years of experience in U.S. credit risk analytics
- Strong background in non-prime / subprime credit products
- Deep understanding of credit limits, utilization, and customer behavior
- Hands‑on analytical skills (SQL required; Python/R a plus)
- Experience working with large datasets and production decision systems
- Ability to translate analytics into practical business decisions
What We Offer
- Highly competitive senior-level compensation
- Medical, dental, and vision insurance
- Opportunity to own and shape risk strategy at a scaled fintech
- Fast-moving, low-bureaucracy environment with real decision authority
- Remote-friendly culture and flexible work setup
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Title: Senior Risk Analytics Manager; Credit Products
Company: B9
Location: Virginia Beach, USA
Category:
