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Gemini · 2 days ago

Manager, Credit Risk

San Francisco, CA

Full-time

Hybrid

Mid, Senior Level

$112K/yr - $160K/yr

6+ years exp

Gemini is a global crypto and Web3 platform founded in 2014, offering a wide range of crypto products and services. They are seeking a Credit Risk Manager to scale their consumer credit card credit risk function, responsible for strategy, execution, and managing a high-performing team while establishing credit policies and controls.

CryptocurrencyFinanceFinancial ServicesFinTechWeb3

Responsibilities

Define and socialize the credit risk strategy and risk appetite aligned to growth and profitability goals

Establish credit policy and lifecycle controls (originations, account management, collections, recoveries)

Leverage traditional and alternative data to design and iterate underwriting, pricing, and line‑management strategies

Develop and maintain mission‑critical reporting and dashboards for KRIs/KPIs (approval, loss, delinquency, roll rates, unit economics)

Build and oversee various underwriting/line‑management strategies; run champion/challenger tests, back‑testing, performance optimization and monitoring

Iterate and enhance account management functions including credit line management, utilization, delinquencies, collections, and recoveries

Work closely with Product, Engineering, Legal, and Compliance to launch credit features safely and quickly (launch criteria, go/no‑go decisions, and post‑launch monitoring)

Develop and manage key vendor relationships (data providers, decisioning platforms, collections partners); negotiate SLAs and evaluate ROI

Partner with Fraud Management to detect and mitigate first‑party, third‑party, and synthetic identity patterns; ensure clear credit vs. fraud decision boundaries

Hire, coach, and develop a small team; establish operating cadence, documentation standards, and incident/issue‑management playbooks

Qualification

Consumer credit risk managementCredit policy developmentVendor relationship managementTeam buildingSQL proficiencyPython proficiencyBI tools experienceAnalytical rigorPassion for startupsExceptional communicationFast-paced environment adaptability

Required

6–10 years of experience in consumer credit risk management (cards, BNPL, unsecured, or adjacent fintech)

Proven ability to apply credit and risk principles to deliver business outcomes (growth, loss, margin) and explain trade‑offs to non‑risk stakeholders

Prior experience developing and managing vendor and bank partner relationships with accountability for SLAs and performance

Experience building/scaling teams (hiring, coaching, and developing analysts) as operations grow