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Manager, Credit Risk Management (R12097)



India · Remote
Posted on Tuesday, June 11, 2024


Oportun (Nasdaq: OPRT) is a digital banking platform that puts its 2.2 million members' financial goals within reach. With intelligent borrowing and savings, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $17.8 billion in responsible and affordable credit, saved its members more than $2.3 billion in interest and fees, and helped our members save an average of more than $1,800 annually. For more information, visit


Working at Oportun means enjoying a differentiated experience of being part of a team that fosters a diverse, equitable and inclusive culture where we all feel a sense of belonging and are encouraged to share our perspectives. This inclusive culture is directly connected to our organization's performance and ability to fulfill our mission of delivering affordable credit to those left out of the financial mainstream. We celebrate and nurture our inclusive culture through our employee resource groups.

The Manager of Risk Management helps manage credit policy and risk performance for Oportun’s Installment loan and Secured Auto products. This role supports improving Oportun’s core intellectual property leveraged in risk decisioning for underserved consumers that often lack a traditional credit bureau score. This is an exciting opportunity in a fast-paced organization where your contributions can have a meaningful impact on increasing access to Oportun’s affordable, credit building loan product for consumers with little or no credit history.


  • Develop and enhance credit strategy to support the Oportun’s Secured and Unsecured Personal Loan products
  • Develop and maintain valuation frameworks to determine profitability at the margin. Recommend changes to risk strategies to maximize profitability and ensure required return on capital for all risk segments
  • Design and implement new tests to determine optimal loan size amount and term by risk segment. Optimize NPV of loan amount assignment strategy given a set of constraints and assumptions.
  • Work closely with Capital Markets and Finance in Securitizations, funding exercises and portfolio projections.
  • Closely monitor the credit performance of Oportun’s loan portfolio adjusting risk strategies to ensure desired loss rates


  • Master’s Degree in Engineering, Mathematics, Economics, Finance, or other analytical discipline with analytical experience, preferably in the financial service industry (or Bachelor’s Degree with 6+ years relevant experience)
  • Exceptional problem solving and analytical skills with the ability to maintain the highest standard of integrity, accuracy and precision
  • Solid Microsoft Excel and PowerPoint skills
  • Foundational knowledge and understanding of statistical concepts
  • Strong SQL/SAS skills and experience with other programming language a plus (R, Python, STATA, Matlab, etc)
  • Excellent written and oral communication skills (Spanish language is a plus)
  • A relentless problem solver and out of the box thinker in finding ways to improve strategies and processes

Smart, dedicated, compassionate, hungry, fun, and genera

We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate.

California applicants can find a copy of Oportun's CCPA Notice here:

We will never request personal identifiable information (bank, credit card, etc.) before you are hired. We do not charge you for pre-employment fees such as background checks, training, or equipment. If you think you have been a victim of fraud by someone posing as us, please report your experience to the FBI’s Internet Crime Complaint Center (IC3).