Credit Risk Manager

About PayZen

PayZen is on a mission to bring financial health to healthcare. Our products improve both access and affordability for patients and cash flow & administrative complexity for medical providers. We are trusted by a rapidly growing number of health systems, hospitals, and physician groups and are backed by leading venture capital investors, including NEA, SignalFire, Viola Group, and 7Wire Ventures.

About the Role

We are seeking a strategic and results-oriented Credit Risk Manager to lead credit risk analytics supporting underwriting, pricing and automated decisioning across PayZen’s product suite. In this role, you will develop and optimize credit risk strategies spanning core decision points, partner closely across the organization to enhance our decision engine, and ensure credit strategies balance growth, portfolio quality and patient experience.

You will play a critical role in translating complex data into scalable and robust risk solutions. We are looking for team members who are passionate about contributing to the growth of a product that’s improving access to healthcare for all Americans.

This role reports to the Head of Credit, and collaborates closely with stakeholders across the organization including Finance, Product, Engineering, Go-to-Market.

This is a hybrid role, based in our San Francisco headquarters with in-office days on Monday, Tuesday and Thursday.

This is an exciting opportunity to be part of a mission-driven organization poised for significant growth.

Responsibilities

• Define, execute and socialize credit risk strategy and risk appetite aligned to effective risk mitigation, growth and profitability goals

• Establish credit policy and lifecycle controls across patient touchpoints

• Leverage traditional and alternative data to design and refine underwriting and pricing strategies across PayZen’s products

• Maintain critical reporting to track KPIs including origination trends, delinquency and loss rates, pricing and unit economics

• Enhance loss forecasting and work closely with partners to quantify implications of loss forecast and loss curve changes

• Partner with Product and Engineering to translate risk requirements into scalable, production-grade decision logic as well as support ongoing optimization of credit decisioning through experimentation, monitoring, and feedback loops

Requirements

• 4+ years of experience in credit risk analytics, underwriting, or portfolio management within fintech, payments, or lending

• Proficiency in SQL and experience using Python (or similar) for data analysis and modeling

• Ability to translate complex analytical findings into clear recommendations for cross functional partners

• Experience working in fast-paced, ambiguous environments with multiple stakeholders

• Familiarity with real-time or near–real-time decision engines and underwriting platforms

• Bachelor’s degree in a quantitative field such as Statistics, Economics, Finance, Engineering, or Computer Science

Why PayZen?

• An opportunity to positively affect the lives of thousands of patients

• A chance to join a high-growth company at an early stage

• Contribute to the development of a product that revolutionizes medical payments in ways never seen before

• Become a key member of a collaborative, high performing team, shaping its growth and success

• Competitive pay, benefits and stock options