Intuit Inc

Manager 3, Credit Risk

Intuit Inc • $233K — $316K *
Mountain View, CA 94040In-Person
Finance & Insurance
11 - 15 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Advanced degree in a quantitative field such as Statistics or Economics
  • 15+ years of credit risk experience in lending or fintech
  • 8+ years of leadership experience in managing risk teams
  • Proven track record with large-scale lending portfolios of $2B+
  • Deep expertise in underwriting and portfolio risk management
  • Strong analytical skills with hands-on experience in SQL
  • Proven ability to translate business goals into credit strategies

Responsibilities

  • Oversee the credit risk strategy for QB Capital Direct Lending products.
  • Define risk appetite and portfolio guardrails aligned with business goals.
  • Drive portfolio growth while maintaining disciplined risk management.
  • Lead design and evolution of underwriting strategies and pricing frameworks.
  • Set the vision for portfolio analytics and translate data into strategic recommendations.
  • Act as the primary risk partner to cross-functional teams across the company.
  • Lead and mentor a team of credit risk analysts to establish best practices.

Benefits

  • Competitive compensation package with performance rewards
  • Potential eligibility for cash bonuses and equity rewards
  • Comprehensive benefits program
  • Regular pay comparisons for fair compensation across diverse categories
Full Job Description
Responsibilities

The role as QuickBooks Capital credit risk manager will own the responsibilities including:

Portfolio Ownership & Strategy
  • Oversee the overall credit risk strategy development for QB Capital Direct Lending products.
  • Define risk appetite, portfolio guardrails, and return thresholds aligned with business objectives
  • Drive portfolio growth while maintaining disciplined risk management and strong unit economics
  • Anticipate macroeconomic and market-driven risks; adapt strategy proactively

Credit Strategy & Decisioning
  • Lead the design and evolution of underwriting strategies, segmentation, and pricing frameworks
  • Oversee credit policy, approval strategies, and line assignment methodologies
  • Guide test-and-learn experimentation to continuously optimize risk vs. growth tradeoffs
  • Ensure scalable, automated decisioning aligned with long-term platform goals

Analytics, Modeling & Insights
  • Set the vision for portfolio analytics, including vintage performance, lifetime value, and risk-adjusted returns
  • Partner with Data Science to prioritize and shape credit models and decision systems
  • Translate data into clear, strategic recommendations for executive stakeholders
  • Establish KPIs and reporting frameworks that drive accountability and transparency

Cross-Functional Leadership
  • Act as the primary risk partner to Product, Capital Markets, Finance, and Operations
  • Influence product roadmap decisions to embed risk-aware design and customer segmentation
  • Support capital strategy, including investor discussions, forward flow agreements, and funding optimization
  • Align stakeholders on tradeoffs between growth, customer experience, and credit risk

Team Leadership & Capability Building
  • Lead and mentor a team of credit risk analysts and managers (or build the team as the portfolio scales)
  • Establish best practices in credit risk management, experimentation, and governance
  • Foster a culture of data-driven decision-making and continuous improvement

Governance & Regulatory Oversight
  • Ensure robust risk governance, including policy frameworks, model validation, and audit readiness
  • Interface with internal risk, compliance, and legal teams to meet regulatory expectations
  • Present portfolio performance, risks, and strategies to senior leadership and risk committees


Qualifications

Basic Qualifications
  • Advanced degree (MS/PhD) in a quantitative field such as Statistics, Economics, Operations Research, Engineering, or a related discipline
  • 15+ years of experience in credit risk within lending, fintech, or financial services, with significant ownership of portfolio performance
  • 8+ years of people leadership experience, including building, managing, and developing high-performing teams of risk analysts and/or data scientists
  • Proven track record owning credit strategy for large-scale lending portfolios (preferably $2B+), with demonstrated impact on growth, loss performance, and profitability
  • Deep expertise in underwriting, credit policy design, and end-to-end portfolio risk management across the customer lifecycle
  • Strong analytical and technical skills, including hands-on experience with SQL and data-driven decisioning; ability to work closely with data science on models and experimentation
  • Demonstrated ability to define risk appetite, translate business goals into actionable credit strategies, and execute through cross-functional teams
  • Strong business acumen with experience balancing risk, growth, and customer experience in a dynamic environment
  • Excellent communication skills, with the ability to synthesize complex quantitative insights into clear, actionable recommendations for executive stakeholders
  • Proven ability to operate with high ownership, navigate ambiguity, and lead large, cross-functional initiatives end-to-end


Preferred Qualifications
  • Experience in small business lending, merchant financing, cash flow underwriting or embedded finance ecosystems
  • Familiarity with alternative data underwriting (e.g., cash flow, transaction data) and modern fintech credit approaches
  • Direct experience developing, deploying, or overseeing credit risk models and decision engines in production environments
  • Experience partnering with Capital Markets teams, including exposure to funding strategies, forward flow agreements, or investor reporting
  • Strong understanding of regulatory expectations, model governance, and risk controls in a lending environment
  • Prior experience in a high-growth or platform-based business, with a track record of scaling risk infrastructure alongside product growth


What You'll Bring
  • Strategic ownership mindset with the ability to operate at both high-level and deep-dive detail
  • Strong business judgment and ability to balance growth, risk, and customer impact
  • Comfort navigating ambiguity and shaping new products or portfolios from early stages
  • Executive-level communication and storytelling with data

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Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at ). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.
The expected base pay range for this position is:
Mountain View $233,500 - $316,000

About Intuit Inc

Intuit offers business and financial management solutions for SMBs, financial institutions, consumers, and accounting professionals. The company’s product portfolio includes TurboTax, a software solution that offers free tax filing, efile taxes, and income tax returns; Quicken; QuickBooks; Mint.com, and more. It also offers end-to-end solutions for online tax preparation, download products, mobile tax prep, mortgage interest and property tax, corporations tax, military tax, and more. Intuit was founded by Tom Proulx and Scott Cook in 1983 and is based in Mountain View, California. The company serves customers in North America, Asia, Europe, and Australia with offices in the United States, Canada, India, U.K., and Singapore.

Intuit Inc Careers

Join the dynamic team at Intuit Inc, a global powerhouse in financial software, where innovation, leadership, and diversity training are at the heart of everything we do. This is an unparalleled opportunity to advance your career with a company that is committed to empowering communities and small businesses with innovative financial solutions.

Work You’ll Do

At Intuit Inc, you’ll be part of a culture that cherishes innovation and values the unique perspectives of its team members. You will collaborate with some of the brightest minds in the industry, using your skills to influence the future of technology and finance. Our team at Intuit Inc is driven by the mission to power prosperity around the world, and you can be at the forefront of this transformation.

Explore Job Opportunities and Growth

Intuit’s career paths are as diverse as the innovative solutions we provide to millions. From finance to software engineering, our job opportunities span across multiple disciplines. Whether you’re looking for a full-time position, an internship, or leadership roles, Intuit offers a world of opportunities for professional growth. Our hiring process is designed to identify and attract professionals who are not only skilled but are also passionate about making a difference.

Professional Development and Benefits

Invest in your future with Intuit’s industry-leading benefits and professional development opportunities. Our employees enjoy comprehensive benefits that ensure their personal and professional satisfaction, including health, wellness, and continuous learning perks. At Intuit, we also understand the importance of diversity training and leadership development, providing various programs that foster an inclusive environment.

Join Our Team

Embark on a journey of growth and innovation at Intuit Inc. Search open positions that match your skills and interests. We are looking for curious, creative, and solution-driven team players. Prepare your resume, ace the interview, and join a team that’s committed to creating solutions that power prosperity around the globe.

Networking and Career Advancement

At Intuit Inc, networking and internal mobility are encouraged to foster professional growth and innovation. Connect with leaders and peers through our various networking events, mentorship programs, and collaborative projects. With support at every step of your career, the opportunities at Intuit are limitless.

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Explore Careers at Intuit Inc

Discover the exciting and rewarding career opportunities awaiting you at Intuit Inc. Let your ambition lead you to success. Join us in our mission to power prosperity and contribute to our journey of continuous innovation.

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At Intuit Inc, every role is a chance to innovate, grow, and make an impact. Join us, and together let's shape the future of finance.
Learn more about Intuit Inc
Size
13,500 employees
Market Cap
$107.4 billion
Industry
Consumer Technology
Net Income
$1.7 billion
Founded
1983
5 Year Trend
+19.6%
Revenue
$7.7 billion
NASDAQ
INTU
* Ladders Estimates

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