Manager , Credit Risk Analytics - Fintech

Overview

One out of every two small businesses fails within their first five years, most often due to running out of cash. Quick Books Capital is on a mission to make a dent in that statistic, by providing small businesses access to the capital they need when they need it, leveraging the data inside Quick Books for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity.

That’s how we power prosperity. Quick Books Capital is a nimble and high‑priority business unit within Intuit that is looking to reinvent small business borrowing. We are the fastest growing SMB lending business in the market. We are looking for top talents and team members who love new challenges, cracking tough problems and working cross‑functionally. If you are looking to join a fast‑paced, innovative and incredibly fun team, then we encourage you to apply.

As a key leader of the Credit Risk Management team, this individual will develop, optimize and manage strategies for credit card risk underwriting, risk‑based pricing, portfolio management, debt collections, fraud analytics and loss forecasting. The role partners with multiple cross‑functional teams to implement and monitor strategy changes across the card product lifecycle, consistently seeking opportunities to improve profitability while maintaining credit risk below guardrails.

The position heavily partners with marketing to identify prospects from Intuit’s vast customer base and drive customer acquisition efforts. This is a high‑visibility role that presents an excellent opportunity to develop a credit card program through a rigorous test‑and‑learn agenda.

• Develop, implement and manage credit risk strategies across customer targeting, underwriting, pricing, portfolio management, collections and drive overall card profitability
• Leverage cashflow analyses of Intuit’s Quick Books customers to enhance underwriting and overall risk management
• Develop A/B tests to help understand credit risk/return tradeoffs using hypothesis testing frameworks
• Develop monitoring frameworks and reporting on key performance indicators
• Establish performance expectations and maintain accountability for variance with actuals
• Partner with the Data Sciences team to develop and maintain models that predict multiple customer behaviors including default risk, utilization and profitability
• Partner with Capital Markets, Product, Engineering, Compliance, Marketing and other functions to implement and monitor credit strategy changes
• Proactively contribute innovative concepts for the creation of new financing products at Intuit Pay based on factors such as job‑related knowledge, skills, experience and work location. Drive ongoing fair pay for employees by conducting regular comparisons across categories of ethnicity and gender.

• Bachelor’s degree in Business, Finance, Economics, Mathematics, Engineering or other quantitative disciplines or equivalent experience. MS degree preferred.
• Minimum six years of experience in credit risk analytics and risk management
• Familiarity with credit scoring and modeling techniques including regression modeling, multivariate analyses and machine learning
• Familiarity with credit data such as bureau attributes and risk scores, cash flow attributes and alternate data sources
• Excellent analytical and problem‑solving skills with a proven track record of converting analysis insights into business recommendations
• Exceptional verbal and written communication skills to effectively communicate complex ideas and influence audiences in decision‑making
• Proficiency with analytical packages and tools such as SQL, SAS, Python, R and Tableau

Intuit provides a competitive compensation package with a strong pay-for-performance rewards approach. This position will be eligible for a cash bonus, equity rewards and benefits in accordance with our applicable plans and programs. Pay is based on factors such as job‑related knowledge, skills, experience and work location. The expected base pay range for this position is:
Bay Area, California $147,500‑$199,500.