Manager, Credit Risk

About the Company

Gemini is a global crypto and Web3 platform founded by Cameron and Tyler Winklevoss in 2014, offering a wide range of simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. Our mission is to unlock the next era of financial, creative, and personal freedom by providing trusted access to the decentralized future. We envision a world where crypto reshapes the global financial system, internet, and money to create greater choice, independence, and opportunity for all — bridging traditional finance with the emerging cryptoeconomy in a way that is more open, fair, and secure. As a publicly traded company, Gemini is poised to accelerate this vision with greater scale, reach, and impact.

The Department: Credit Risk

The Role: Manager, Credit Risk

Gemini is looking for a Credit Risk Manager to join our team. This individual will be responsible for scaling Gemini’s consumer credit card credit risk function from strategy to execution and managing multiple new initiatives. The candidate will fill a senior-level position and will be responsible for building a lean, high‑performing team as operations scale. They will set risk appetite, establish credit policy and controls, and build the credit platform (models, monitoring, and reporting) for new and existing products.

This role is required to be in person twice a week at either our Seattle, WA, New York City, NY, or Miami, FL office.

Responsibilities:

• Define and socialize the credit risk strategy and risk appetite aligned to growth and profitability goals.
• Establish credit policy and lifecycle controls (originations, account management, collections, recoveries).
• Leverage traditional and alternative data to design and iterate underwriting, pricing, and line‑management strategies.
• Develop and maintain mission‑critical reporting and dashboards for KRIs/KPIs (approval, loss, delinquency, roll rates, unit economics).
• Build and oversee various underwriting/line‑management strategies; run champion/challenger tests, back‑testing, performance optimization and monitoring.
• Iterate and enhance account management functions including credit line management, utilization, delinquencies, collections, and recoveries.
• Work closely with Product, Engineering, Legal, and Compliance to launch credit features safely and quickly (launch criteria, go/no‑go decisions, and post‑launch monitoring).
• Develop and manage key vendor relationships (data providers, decisioning platforms, collections partners); negotiate SLAs and evaluate ROI.
• Partner with Fraud Management to detect and mitigate first‑party, third‑party, and synthetic identity patterns; ensure clear credit vs. fraud decision boundaries.
• Hire, coach, and develop a small team; establish operating cadence, documentation standards, and incident/issue‑management playbooks.

Minimum Qualifications:

• 6–10 years of experience in consumer credit risk management (cards, BNPL, unsecured, or adjacent fintech).
• Proven ability to apply credit and risk principles to deliver business outcomes (growth, loss, margin) and explain trade‑offs to non‑risk stakeholders.
• Prior experience developing and managing vendor and bank partner relationships with accountability for SLAs and performance.
• Experience building/scaling teams (hiring, coaching, and developing analysts) as operations grow.

Preferred Qualifications:

• Exceptional communication skills (written and oral); ability to simplify complexity and influence decisions across functions.
• Excellent analytical rigor; familiarity with experimentation design and statistical performance assessment.
• Proficiency in SQL and Python for data exploration, model development, and production‑grade analysis.
• Experience with BI tools (e.g., Tableau, Looker), cloud data warehouses (e.g., Snowflake/Redshift/DataBricks), and decisioning platforms.
• Ability to balance and execute on competing priorities in a fast‑paced environment; strong personal accountability and follow‑through.
• Familiarity with model governance and monitoring frameworks (AUC/KS, PSI, back‑testing) and champion/challenger methods.
• Passion for startups, new technology, and cryptocurrency.

It Pays to Work Here   The compensation & benefits package for this role includes:

• Competitive starting salary
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental L