• Build, review, and refine Marqeta's consumer and business underwriting strategies • Proactively monitor and adjust Marqeta’s credit policies based on performance and risk trends • Work with data scientists to build best in class credit risk and cash flow models • Establish credit strategies for our consumer and commercial credit card programs that directly drive KPIs, i.e., approval rates, new accounts, loss rate, profit margin etc. • Draft underwriting and risk documentation, work with bank partners on model validation and governance, and report KPIs to senior management on a regular basis • Partner with product to build modern credit stacks and data strategy leveraging financial, bank, and third-party datasets, to enable underwriting automation with big data. • Provide analytical support and materials (loss forecasts, profitability) for capital markets and co-brand partners • Provide risk consulting services to our bank partners and customers, recommending improvements to credit strategies