About PayJoy PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets achieve financial stability and success. "> This role The Risk Manager (Revolving Credit Account Management) oversees the Account Management Program, responsible for Credit Limit management, updates to account terms and account closures. Responsibilities - Owning Key Performance Indicators (KPIs) and Success Metrics for Account Management Programs (including Credit Limit Increase program): improvements in Net Revenue, Survival Rate and Account Utilization. - Implementing, monitoring and acting upon the results of A/B and multivariate testing to optimize portfolio performance. - Collaborating with Data Science team to develop, implement and price models to help reach performance goals. - Coordinating with Originations Strategy team to optimize Lifetime Value based on the actions of both functions. Requirements - Bachelor's degree in Finance, Economics, Mathematics or Industrial Engineering. - 4+ years of experience in risk management functions in fintech or commercial banking, working with credit cards or other consumer lending products. - Experience working with Credit Limit Increase programs and scaling products from 0 to scale in a fast-paced environment. - End-to-end problem-solving skills, including framing of the problem, analytical research, discussion/debate and presenting solutions to stakeholders. - Understanding of statistical tools and methods, and experience working with large data sets. - Mastery of SQL, Python and other tools for Data Analysis. Benefits - *Local benefits will vary depending on the country of hiring. - Phone finance, home office equipment and fitness perks. - $2,000 USD annual Co-working Travel perk. - $2,000 USD annual Professional Development perk. We are an Equal Employment Opportunity employer and welcome people of all backgrounds. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, gender identity, age, disability status or other protected characteristics. Our Principles Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening