Credit Strategy Manager

Imprint Technologies Inc.

Job Overview

Location

Remote

Job Type

Full-time

Full Job Description

📋 Description

• Own the end-to-end strategy and execution of new credit acquisition channels including affiliate programs (e.g., Credit Karma, NerdWallet), invitation-to-apply emails, paid social, display advertising, direct mail, and instant prescreens.
• Define and optimize credit risk parameters, underwriting criteria, and targeting strategies for each acquisition channel in close partnership with credit policy, risk, data science, and marketing teams.
• Build and validate business cases that link application volume to credit outcomes such as approval rates, vintage loss forecasts, contribution profit, CAC, LTV, and LTV-to-CAC ratios to secure leadership alignment on channel viability.
• Partner with data science to influence and refine targeting models, segmenting audiences based on credit performance signals and portfolio quality metrics to improve acquisition efficiency.
• Monitor post-launch channel performance using SQL to pull and analyze data cohorts, identify early warning signals in credit quality, and adjust risk parameters or targeting criteria in real time.
• Collaborate with General Managers and brand partners (e.g., Crate & Barrel, Booking.com, H-E-B, Shell) to tailor acquisition strategies that align partner growth objectives with Imprint’s credit quality standards.
• Translate complex credit and financial metrics into clear, actionable narratives for cross-functional stakeholders including finance, leadership, and external brand teams.
• Establish and lead a structured test-and-learn cadence for channel experimentation, delivering regular readouts on both acquisition volume and credit performance to drive iterative improvement.
• Ensure all acquisition strategies remain within approved LTV-to-CAC thresholds and align with Imprint’s operating plan, loss budgets, and risk appetite.
• Launch at least one new acquisition channel within the first 90 days with measurable performance data, clear targeting criteria, and validated credit economics.
• Develop proof-of-concept models for affiliate partnerships and invitation-to-apply programs, modeling acquisition economics against expected credit performance and portfolio impact.
• Independently pull, clean, and analyze data using SQL to diagnose channel performance, evaluate credit quality by segment, and inform strategic decisions without reliance on data engineering teams.
• Maintain accountability for credit risk outcomes across all acquisition channels while balancing growth targets with portfolio integrity and regulatory compliance.
• Serve as the primary bridge between marketing-driven acquisition goals and credit risk discipline, ensuring decisions are data-backed, financially sound, and aligned with long-term portfolio health.

🎯 Requirements

• 5+ years of experience in credit strategy, acquisition strategy, or risk-adjacent marketing roles, preferably in card issuers, fintech, or financial services
• Strong understanding of credit card economics including approval rates, vintage loss rates, LTV, CAC, LTV-to-CAC ratios, and contribution profit modeling
• Advanced proficiency in SQL to independently pull and analyze data for cohort building, performance diagnosis, and strategy refinement
• Proven experience building business cases that connect acquisition performance to credit outcomes and portfolio economics
• Demonstrated ability to work cross-functionally across risk, marketing, finance, and data science to drive acquisition outcomes
• High ownership and bias for action with a track record of launching new initiatives from concept to execution

🏖️ Benefits

• Competitive compensation and equity packages
• Leading configured work computers of your choice
• Flexible paid time off
• Fully covered, high-quality healthcare, including fully covered dependent coverage
• Additional health coverage includes access to One Medical and the option to enroll in an FSA
• 20 weeks of paid parental leave for the primary caregiver and 8 weeks for all new parents
• Access to industry-leading technology across all business units to foster innovation, optimization, and productivity

Skills & Technologies

Rails

Remote

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Imprint Technologies Inc.

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About Imprint Technologies Inc.

Imprint Technologies Inc. operates a platform that lets brands issue co-branded payment cards and financial products directly to consumers. The company manages card program setup, underwriting, compliance, and ongoing servicing while providing APIs and dashboards for partners to configure rewards, launch cards, and track performance. Focused on embedded finance, Imprint serves consumer brands, marketplaces, and fintechs seeking white-label card solutions without building banking infrastructure.

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