Credit Forecasting Manager I

As we recently integrated with Barclays, our initial focus is on candidates who are local to the Philadelphia, Delaware, New Jersey, and New York areas.

Additionally, beginning in June 2027, employees who live within a 50-mile radius of the office will be expected to work on-site three days per week as part of our hybrid work model.

This role owns processes, models, and assumptions used to estimate expected credit losses for credit strategy calibration, capital and reporting purposes. You will partner closely with Credit Strategy, Capital Markets, and Data teams to ensure forecasts are accurate, explainable, and aligned with business expectations.

Core Responsibilities

• Lead development, improvement and monitoring of processes for payment default and balance persistency guidance for personal loans
• Own forward looking guidance and performance outcomes of material portfolio segments
• Provide scenario analysis and financial impact sizing from changes in credit underwriting and pricing policy.
• Assess macroeconomic trends and adjust expectations accordingly
• Partner with Capital Markets, Credit Strategy on return targets
• Ensure decision logic is scalable, compliant, and operationally sound
• Escalate emerging risks with clear analysis and recommendations
• Maintain governance standards and strategy documentation
• Mentor junior team members and promote best practices

Scope and Autonomy

• Operate with high independence and strategic judgment
• Influence major underwriting and pricing strategy changes
• Support highly complex, cross-functional initiatives
• Balance growth, risk, profitability, and regulatory considerations

Required Qualifications

• Bachelor’s degree in quantitative field or equivalent experience
• 6-10 years in credit risk, loss forecasting or portfolio analytics
• Expertise in forecasting payment default behavior and balance persistency for lending products
• Advanced analytical expertise and business judgment
• Proven ability to influence senior stakeholders

What Success Looks Like

• Clear ownership of processes and process outcomes
• Trusted cross-functional partnership
• Demonstrated leadership and mentorship impact