Sr. Manager, Enterprise Risk Management

Description

JOB TITLE: Sr. Manager, Enterprise Risk Management

LOCATION: Los Angeles, CA (Hybrid in our Westwood Office, 3-4 days/ week)

REPORTS TO: Head of Data

The Company

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

The Role:

The Enterprise Risk function at Sunbit is responsible for answering a fundamental question: are our critical lending processes, credit policies, merchant controls, and product workflows executing correctly, for every borrower, across every merchant, every day? This team provides independent, first-line oversight by building and operating data-driven monitoring capabilities that detect both individual defects and systemic failures before they become compliance events or customer harms.

As Sr. Manager, Quality Control Monitoring, you will architect and lead this function. This is a leadership role at the intersection of data, compliance, and operational risk. You will design the modern monitoring platform, analytical frameworks, and governance processes that enable continuous, automated oversight of Sunbit's lending operations: covering credit underwriting, merchant agreement compliance, and critical business processes. You will report to the VP of Data and operate in a matrixed structure, partnering closely with Decisioning (Credit Policy), Product, Engineering, Compliance, Legal, and Operations to embed quality controls at both the prevention and detection layers.

Requirements

What you’ll do:

• Automate preventative monitoring across domains: Design and implement automated preventative monitoring capabilities that achieve near-real-time, high-coverage oversight across the core domains: credit underwriting policy execution, merchant agreement compliance, and critical business process controls, moving beyond periodic sampling to systematic, data-driven detection across the full transaction volume where feasible.
• Credit underwriting oversight: Monitor credit underwriting policy execution end-to-end, ensuring that credit decisions, pricing, adverse action, and origination outputs are consistent with Sunbit's credit policy, model behavior, and regulatory requirements (TILA/Reg Z, Regulation B/ECOA, UDAAP), and flagging deviations for immediate review and remediation.
• Merchant controls monitoring: Monitor merchant agreement compliance across Sunbit's partner network, building controls that detect violations of merchant-facing terms, behavioral anomalies, and process deviations that create consumer harm, reputational, or regulatory risk for Sunbit.
• Business process controls: Monitor critical business process controls across the loan & card lifecycle, including origination, servicing, collections, and customer communications. Ensuring process execution meets internal standards, regulatory obligations (FCRA, UDAAP, applicable state laws), and audit expectations.
• Own the monitoring platform: Own monitoring platform and analytical tooling, establishing automated checks, monitoring rules, and operational dashboards that give first- and second-line partners continuous visibility into control effectiveness and emerging risk.
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