---
title: 'Credit Risk Manager at Made Card'
canonical: 'https://feeny.ai/job/credit-risk-manager-made-card-new-york-1xqqbd2rv4kd'
type: 'job'
last_seen: '2026-09-15'
---

# Credit Risk Manager at Made Card

- **Company:** Made Card
- **Location:** New York, NY
- **Compensation:** $100k–$110k
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-06-21
- **Last confirmed live:** 2026-09-15
- **Apply:** https://jobs.ashbyhq.com/madecard/a0bcf35c-486b-40b3-ac85-b408dc9e6115

## Job description

## About the Company

Made’s mission is to help homeowners save time, money, and stress. It starts with Made Card - a credit card designed specifically for homeowners, with unmatched rewards on mortgage payments, home improvements, utilities, and essential purchases. Each swipe powers a personalized home management platform where users can manage home systems & appliances, stay ahead on upkeep, and get help - from AI-driven guidance to in-person services - exactly when they need it most. By bringing together financial tools, data, and trusted professionals, we give people more control, more savings, and more time to enjoy the place they call home. We’re partnered with leading national players in the residential homeownership space - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey. These partnerships let us reach millions of households across the country and deliver meaningful benefits to homeowners. Backed by top investors like Village Global, Jump Capital, Recharge Capital, and Soma Capital, our leadership team brings deep fintech, mortgage, and credit card experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley. We’re building the financial and engagement platform for the next generation of homeowners - one that puts the homeowner at the center, and redefines what it means to feel at home.

## About the Role

The Credit Risk Manager will play a critical role in shaping and leading Made Card’s credit risk strategy across the customer lifecycle. You’ll drive underwriting, pricing, segmentation, and decisioning for our credit card product while overseeing performance of the credit portfolio. This role also owns the development and tracking of credit models and will lead Made Card’s Decision Science practice.

## What You’ll Do

- Underwriting & New Accounts: Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth. Deploy test and learn mechanisms. Have complete ownership of implementation of said strategies directly in the risk decision engine.
- Credit Policy & Segmentation: Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation.
- Pricing & Limits: Design pricing and credit limit frameworks to maximize risk-adjusted returns. Implement ongoing pricing and limit management strategies (penalty pricing, limit increases, reductions etc.)
- Model Decisioning: Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs.
- Portfolio Performance: Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability.
- Collections Strategy: Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs.
- Risk operations: Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans.

Ideal Background

- 2+ years of experience in consumer lending or credit risk, with a proven track record in fintech environments.
- Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections
- Hands-on experience with credit risk models and credit bureau data (traditional and alternative).
- Strong technical acumen: pull data, analyze, create KPIs, create reporting tools (Python, SQL knowledge a plus)
- Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders.

We understand that not everyone comes from a traditional background. If you are a rockstar with a non-traditional path, we'd love to talk to you!

## Nice to Have

- Experience in fintech, credit cards, real estate, or home services.
- Familiarity with compliance-heavy or regulated marketing environments.
- Passion for credit cards, rewards, or homeownership-related products.

## Benefits

- Base Compensation Band: $100,000–$110,000 (determined by experience, qualifications, and location)
- Compensation: Competitive salary with a meaningful stake in the company via equity
- Health & Well-being: We’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits
- Grow Together: Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback
- Mortgage Benefit: Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partners
- Play Together: Quarterly budgets for team and company outings. Use it for team swag, cooking classes, or team dinners!
- Generous Time Off: Flexible paid time off, sick days, and 11 company holidays

Throughout the interview process, please remember that emails will only be from [madecard.com](http://madecard.com) emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to talent@madecard.com if you have any requests to verify the authenticity of an outreach.

Made Card is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Made Card makes hiring decisions based solely on qualifications, merit, and business needs at the time.

## About Made Card

## Company Overview
- **One-liner**: Made Card is a financial technology company building a credit card and platform designed specifically for homeowners, offering rewards on mortgage payments and home-related spending along with tools to save time and money.
- **Entity Type**: Private (Seed stage, $8M total funding)
- **Headquarters**: New York City, New York, USA
- **Founded**: 2024
- **Founders**: Ashin Shah (Co-Founder & CEO), Christophe Van (Co-Founder & President), Alex Song (Co-Founder, Board Member)

## Core Business
- **Primary industry/industries**: Financial Services (Fintech / Proptech)
- **Target customers**: B2C – homeowners in the United States
- **Mission or purpose statement**: “To help save homeowners time, money, and stress at every stage of this journey. We want you to enjoy owning a home, and we’re here to help.” [madecard.com](https://madecard.com/about)

## Products & Services
- **Made Essential Visa Signature Preferred Credit Card**: A credit card issued by Lead Bank (via Visa license) that earns bonus points on mortgage payments (up to the monthly mortgage amount), 3x points on home-related spend, 2x on gas/EV/groceries/utilities, and 1x on everything else. No annual fee. Includes purchase protection, price protection, return protection, extended warranty, and travel/emergency services. [madecard.com](https://www.madecard.com/)
- **Mortgage Match**: A tool that verifies the user’s mortgage to unlock bonus points on every purchase up to the monthly mortgage payment amount.
- **Homeowner Tools Suite**: Includes subscription management, refinancing tracker, property tax appeal assistance, utility negotiation, price match (cash back if a price drops within 60 days), preventive home maintenance visits with AC filter credits, and a 24/7 hotline for trusted home service referrals.
- **Virtual Cards**: Create dedicated cards with spend limits for renovations, daily needs, etc.
- **Points Redemption Options**: Redeem points for statement credits toward home expenses, mortgage closing costs/rate reductions, or gift cards.

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Total Funding – $8.0M (Seed round, November 2025)
- **Notable Investors/Partners**: Jump Capital, Village Global, Recharge Capital, Soma Capital. [linkedin.com](https://www.linkedin.com/company/made-card)
- **Growth Signals**: Headcount grew ~73% YoY (from ~9 to 16 employees). Active job postings: 9–12 roles. Expanding engineering team with senior/staff positions. Operates in 5 countries (US, Brazil, India, Egypt, Canada) with a distributed technical team.

## Competitive Advantages
- **Niche focus**: Solely designed for homeowners – integrates mortgage verification, home expense rewards, and practical homeowner tools (tax appeal, utility negotiation, maintenance) into one card.
- **Experienced team**: Founders and early employees come from Ramp, J.P. Morgan, Morgan Stanley, Bain Capital, American Express, Apple Card, Wells Fargo, Citi – deep fintech and credit card expertise. [madecard.com](https://madecard.com/about)
- **No annual fee** and unique mortgage rewards structure differentiate from general cash-back cards.
- **Transparency and simplicity**: Clear terms, honest rewards, and straightforward communication emphasized as core values.

## Strategic Focus
- **Current priorities**: Scaling the card product, growing the user base, and expanding the engineering team to build more homeowner tools. The company aims to become a “one connected place to plan, manage, and nurture your home.”
- **Direction for growth**: Deepening partnerships with lenders, servicers, and real estate partners; evolving the platform beyond credit cards into a full financial platform for homeownership.

## Why Work Here
- **Culture highlights**: Outcomes-focused, low bureaucracy, high autonomy. The team is described as “great people, big ideas, real impact.” Values include simplicity, empowerment, transparency, and community. [madecard.com](https://www.madecard.com/careers)
- **Remote/hybrid/office policy**: Offers both in-office (New York City HQ) and remote options for many roles. Some positions are listed as in-office, others as remote or hybrid. [builtin.com](https://builtin.com/company/made-card)
- **Notable perks or engineering culture**: Early-stage fintech with strong technical leadership (Head of Engineering Raphael de Monticello). Employees work across multiple time zones. Emphasis on moving fast and experimenting boldly. Benefits not fully detailed but typical of startup environment.

## Sources
1. [madecard.com](https://www.madecard.com/) – Product details, rewards structure, features
2. [madecard.com/about](https://madecard.com/about) – Mission, team background, values
3. [madecard.com/careers](https://www.madecard.com/careers) – Careers page, culture messaging
4. [linkedin.com](https://www.linkedin.com/company/made-card) – Employee count, funding, investors, headcount growth, key executives
5. [builtin.com](https://builtin.com/company/made-card) – Job listings, office locations, remote policy, company overview

## Other roles at Made Card

- [Fraud Risk Manager](https://feeny.ai/job/fraud-risk-manager-made-card-new-york-t4ftjtf9r4kc) — New York, NY
- [Senior Quality Assurance (QA) Engineer](https://feeny.ai/job/senior-quality-assurance-qa-engineer-made-card-brazil-nc5vks0t4nfk) — Brazil
- [Backend Engineer](https://feeny.ai/job/backend-engineer-made-card-new-york-s43etmq8bcj7) — New York, NY
- [Staff Backend Engineer](https://feeny.ai/job/staff-backend-engineer-made-card-new-york-pd4rygj7etaz) — New York, NY
- [Senior Backend Engineer](https://feeny.ai/job/senior-backend-engineer-made-card-brazil-jy710xjy96kt) — Brazil
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