About the Role
Today credit union staff review nearly 100% of consumer loan applications. This adds significant cost and friction to the process of getting a loan from a credit union. We are looking for a Credit Manager with in-depth experience of automating loan decisioning at scale — such as at a leading bank or Fintech — to build the next generation of consumer lending technology for credit unions.
About the Team
The Credit Manager will join a cross functional team (Product, Engineering, Customer Success) that is leading development of Clutch’s next generation of lending products. The Credit Manager will play two key roles on this team: subject matter expert guiding product strategy and expert consultant to our credit union customers. We have built close relationships with Chief Lending Officers at progressive credit unions across the country - a key aspect of this role is turning our shared vision into a reality.
What You’ll Do
Within 3 months, you will:
Be actively driving collaboration with 10-15 customers around model development and loan automation.
Have taken the lead on designing, implementing, and validating decisioning models for common consumer loan products.
Have developed a set of best practices that are used to onboard new customers.
Within 6 months, you will:
Be working with prospective customers to diagnose their current challenges and define a success plan.
Be running a program that monitors customer outcomes and drives continuous improvement.
Have built a set of recommended decisioning attributes based on historical performance data.
Within 9 months, you will:
Have established yourself as the go-to authority for consumer lending best practices.
Have developed a repeatable playbook for credit unions to transform from highly manual to digitally savvy lenders.
Have extremely happy customers asking us what’s next.
What You’ll Bring
5+ years of working on loan automation in a fast-paced environment, preferably in a leading financial institution or Fintech.
Subject matter expertise on consumer loan origination (personal, credit card, vehicle).
Deep domain knowledge of each component needed to automate decisioning (credit risk, fraud, compliance, etc).
A self-starter, innovator mindset and a conviction never to settle for the status quo.
Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.
What’s In It For You?
Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.
Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.
Paid Time Off: Enjoy flexible PTO days yearly for relaxation and rejuvenation.
Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.
Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.
Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.
Health Coverage: Prioritize your well-being with comprehensive health and dental insurance plans.
About Us
Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt. Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans.
Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions.Clutch is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
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