Manager, Credit Risk Strategy - Captive Partnerships

Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value. Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on‑going customer care with superior loan servicing. Founded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit www.octane.co. We are seeking a highly analytical Credit Risk Strategy Manager to support our Captive Partner Risk Strategy team. As a vital member of the team, you will establish and oversee credit strategies that align with our risk appetite and provide strategic guidance for the captive partner portfolio. You will analyze origination and loan performance data to develop optimal underwriting strategies that grow Octane’s lending responsibly and enhance portfolio profitability. The ideal candidate is a problem solver with strong critical thinking abilities and exceptional communication skills to articulate ideas and thought processes clearly to external partners and senior management. This is a hybrid position in our NYC office. Responsibilities Perform advanced data analytics and advise on underwriting strategies for loan origination, loan amount assignment, and loan pricing to optimize profitability. Work cross‑functionally with Tech, Product, Sales, and Finance teams to implement new credit product initiatives and optimize existing credit strategies that further our mission of providing convenient point‑of‑sale financing to niche consumer products. Take ownership of credit policy documentation and enhance policies and processes to mitigate credit risk exposure. Design and monitor key KPIs to provide insights into the credit lifecycle. Maintain quality control and validation to ensure risk processes are working as expected. Collaborate with the portfolio risk team to track credit performance and take action to manage the portfolio within the organization’s risk management appetite. Develop business insights and communicate proposals to C‑level audiences and external partners. Requirements A Bachelor’s degree in a quantitative field such as statistics, econometrics, decision sciences, or engineering (advanced degree preferred). Strong understanding of consumer credit and lending lifecycle. 4+ years of experience in performing credit analysis, including experience with data visualization tools such as Tableau/Power BI. Exceptional hands‑on experience with Python, SQL, and Excel. Experience taking analyses from raw data to polished recommendations and communicating complex, technical findings to broad audiences. Strong written and oral communication skills. Compensation In addition to salary, Total Rewards include bonus eligibility, a stock option package, and benefits as outlined below. The role described above offers a base salary of $110,000 to $150,000 + corporate bonus eligibility. Your offer will be based on location, the alignment of your qualifications with the requirements of the job and internal equity. Benefits Robust Health Care Plans (Medical, Dental & Vision) Generous Parental Leave Flexible Time Off (FTO) Policy - Time Off When You Need It Retirement Plan (401k) with company match! Educational Assistance/Tuition Reimbursement up to $3K/year Life Insurance (Basic, Voluntary & AD&D) Short Term / Long Term Disability Robust Ancillary benefits including accident insurance, hospital insurance, etc Wellhub (Gympass) Wellness Benefit Recreational Safety Benefit Disclaimer The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed. Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment. #J-18808-Ljbffr