<div class="content-intro"><h3><strong>About Engine</strong></h3> <p>Engine is the AI-native platform for intelligent travel. For a decade, Engine has built the proprietary technology and supply behind modern business travel, serving over 40,000 customers and nearly 2 million travelers, along with leading travel and AI companies that build on Engine's infrastructure. One system powers business travel, group travel, human agents, and AI agents.<br><br>That work has earned Engine recognition as TravelTech's Reservation Platform of the Year (2026), a spot on Inc.'s Power Partners list (2026), and one of Built In's Best Places to Work (2020–2026).<br><br>We're looking for bold, ambitious people to help redefine how businesses manage and experience travel. Working here, you can expect exponential growth, an ambitious pace, full ownership, and high-caliber colleagues who push you to do the best work of your career. Every hire raises the bar.<br><br>Come outpace the ordinary and build the future of travel with us.</p></div><h3><strong>About the Role</strong></h3> <p>Engine X is growing fast and credit decisioning is a core risk control. The Sr. Manager, Credit owns the underwriting operating model for Engine’s corporate card: the credit standard, the backtest infrastructure, the portfolio analytics, and the team executing against it.</p> <p>The end state is a credit function where the majority of applications are decided automatically, with human judgment reserved for complexity and edge cases. You're the person who builds the bridge from here to there — owning the manual operation today while driving the criteria, model inputs, and policy decisions that make automation possible.</p> <h3><strong>What You'll Do</strong></h3> <ul> <li>Hold the credit team accountable to the underwriting standard — set decision quality expectations, review portfolio performance, and ensure the team executes with consistency and rigor.</li> <li>Write and own the credit underwriting standard: what signals support which limits, what triggers exception treatment, and what the escalation path is.</li> <li> Build backtest infrastructure — run proposed rule changes against historical application data before deploying, including false positive analysis on approved accounts.</li> <li>Partner with Data Science on credit model inputs, validation, and the transition from manual review to automated decisioning.</li> <li> Lead and develop the credit team — set expectations, provide feedback, and build analytical capability.</li> <li>Deliver portfolio analytics to leadership — delinquency rates, cohort performance, limit utilization, and exception trends.</li> <li>Coordinate with Fraud Operations on application fraud signals that overlap with underwriting decisions.</li> <li>Partner with senior leadership on credit policy governance — ensuring credit policy changes go through the right review and sign-off process.</li> </ul> <h3><strong>What We're Looking For</strong></h3> <ul> <li data-path-to-node="2,0,0"><strong data-path-to-node="2,0,0" data-index-in-node="0">8+ years</strong> of credit underwriting or credit risk experience.</li> <li data-path-to-node="2,1,0"><strong data-path-to-node="2,1,0" data-index-in-node="0">3+ years</strong> of experience leading a credit team with a proven track record of designing operating models, not just managing existing ones.</li> <li data-path-to-node="2,2,0"><strong data-path-to-node="2,2,0" data-index-in-node="0">Commercial Credit Expertise:</strong> Deep experience in business or commercial underwriting—setting credit limits, interpreting financial signals, and making independent credit decisions.</li> <li data-path-to-node="2,3,0"><strong data-path-to-node="2,3,0" data-index-in-node="0">Risk & Bureau Tools:</strong> Hands-on experience with commercial credit bureaus (D&B or equivalent) and end-to-end ownership of KYB (Know Your Business) processes.</li> <li data-path-to-node="2,4,0"><strong data-path-to-node="2,4,0" data-index-in-node="0">Automation-Minded Philosophy:</strong> You view manual underwriting as a temporary state, actively track human-in-the-loop decision metrics, and systematically work to drive automation rates up.</li> <li data-path-to-node="2,5,0"><strong data-path-to-node="2,5,0" data-index-in-node="0">Portfolio Analytics & Reporting:</strong> Proven capability in tracking key metrics like delinquency, cohort performance, and limit utilization, alongside strong written communication for clear exception documentation and executive updates.</li> <li data-path-to-node="2,6,0"><strong data-path-to-node="2,6,0" data-index-in-node="0">Industry Context:</strong> Background in a fast-paced fintech, corporate card, or SMB credit environment.</li> <li data-path-to-node="2,7,0"><strong data-path-to-node="2,7,0" data-index-in-node="0">Bonus Qualifications:</strong> Experience contributing to automated credit decisioning engines; proficiency in SQL or Snowflake for self-serve data analysis.</li> </ul> <p><em>Applications for this role will be accepted through 01/27/2027 or until the role is filled. We encourage you to apply early, as we may begin reviewing applications before the deadline.</em></p><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p data-start="62" data-end="438"><strong>Compensation</strong><br>Our compensation packages are based on several factors, including y