Hybrid Manager, Credit Risk

at Gemini

• Job title: Manager, Credit Risk
• Job type: Full Time
• Experience level: Mid level, Senior
• Salary: $112,000 - $160,000 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Miami, United States

About the role

• Credit Risk Manager at Gemini responsible for scaling consumer credit card risk function and managing initiatives. Collaborate with teams to develop credit platform and oversee risks.

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.

Requirements

• 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.

Benefits

• Competitive starting salary
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental Leave
• Flexible time off