Credit Risk Manager - Remote

Overview

Mudflap serves the $800B trucking industry, the backbone of the U.S. economy. Our market-leading payment products help truckers save thousands of dollars on fuel (their #1 business expense), while providing our fuel stop partners with access to new, hard-to-reach customers. We’re a fast-growing marketplace business looking for a new customer-obsessed teammate to join us on this exciting journey.

In Short

• Lead the development and execution of Mudflap’s credit risk strategy, policies, and frameworks for our fleet card product.
• Monitor credit portfolio performance, optimize risk-reward tradeoffs, and ensure alignment with business goals and regulatory standards.
• Build and enhance credit models and risk monitoring tools using internal, bureau, and alternative data sources.
• Collaborate with product, operations, finance, and data teams to integrate risk considerations into customer experiences and product launches.
• Design and implement effective collections, repayment, and fraud mitigation strategies to reduce losses.
• Communicate risk insights and recommendations to senior leaders and external stakeholders, influencing decision-making at the highest level.

Requirements

• 5+ years of experience in credit risk, preferably within fintech, lending, or mobile payments.
• Strong skills in SQL, Python, and Excel, with a track record of building and maintaining credit models and dashboards.
• Demonstrated ability to lead both strategic planning and hands-on execution in a dynamic, fast-paced environment.
• Deep understanding of the lending lifecycle, credit policy development, and regulatory compliance.
• Excellent communication and collaboration skills, with experience presenting to executives and influencing cross-functional teams.

Benefits

• Competitive salary and equity in a high-growth startup.
• Multiple health benefit options.
• Responsible Time Off.
• 401(k) matching.
• Opportunities and support for major career growth.
• Annual Company offsite event (Mudfest!).