Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured, and designed for the way our customers live their lives.

A bank for all of us.

About the role

Varo Bank is looking for a Credit Strategy Manager to help expand access to credit and launch new products to our customer base. They are expected to have a passion for learning and solving complex problems with knowledge of consumer credit. Varo Bank is building products that will fundamentally change the way consumers use mobile banking products and revolutionize the banking system as we know it. We’re looking for candidates who will apply the same level of zeal for innovation and creativity to the development of our lending business. You will collaborate across a number of teams internally -- to include risk management, product, platform engineering, operations, marketing, finance, compliance, and legal to ensure Varo’s credit offerings are best in class.

What you'll be doing

• Design and launch new credit products, build monitoring, and track performance against expectations.
• Create and present ad-hoc analysis to key stakeholders and executives. Examples include identifying underlying reasons for variance from expectations, understanding changes in portfolio performance, and evaluating profitability impacts
• Propose data-driven product and credit policy changes to improve profitability, customer experience, and consumer access to credit
• Using a combination of technical reporting tools (such as SQL, Python, R, or SAS) and advanced Excel skills to analyze data to quantify performance, cost, and effectiveness for areas such as loan performance and strategic initiatives

Required skills, experiences, and traits

• 5+ years of general data analytics experience with consumer credit products
• Master’s or Bachelor’s Degree in Computer Science, Economics, Math, Statistics, Engineer, Business Administration, or other quantitative related fields that are and data-driven
• Strong analytical skills with the ability to identify problems/opportunities and propose data-driven solutions
• Excellent verbal and written communication skills with strong attention to detail
• Comfort with a fast-paced environment and changing requirements
• Initiative to do what needs to be done to best meet our business objectives




The four skills that matter most

• Strong problem-solving skills and the ability to autonomously identify and propose solutions to those problems
• Intermediate knowledge of relational databases and table structures
• Experience working with various statistical techniques
• Strong understanding of credit risk management in the areas of origination, account management, and collections, including traditional and alternative credit bureau data and functionality

About Varo

Varo launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We’re a new kind of bank – all digital, mission-driven, FDIC-insured, and designed around the modern American consumer. 

As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system.

We are growing quickly in our hub locations of San Francisco, Salt Lake City, and Charlotte along with colleagues located across the country. We have been recognized among Fast Company’s Most Innovative Companies, Forbes’ Fintech 50, and earned the No. 7 spot on Inc. 5000’s list of fastest-growing companies across the country.

Varo. A bank for all of us.

Our Core Values

- Customers First

- Take Ownership

- Respect

- Stay Curious

- Make it Better

Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Learn more about Varo by following us:

Facebook - https://www.facebook.com/varomoney

Instagram - www.instagram.com/varobank

LinkedIn - https://www.linkedin.com/company/varobank

Twitter - https://twitter.com/varobank

Engineering Blog - https://medium.com/engineering-varo

SoundCloud - https://soundcloud.com/varobank

Beware of fraudulent job postings!

Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail [email protected] with the pertinent information and contact information.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.