Senior Manager, Credit & Risk, Consumer Financing

Consumer Financing at Clutch: Clutch is on a journey to create a truly seamless car buying and ownership experience—and financing is a critical part of delivering that end‑to‑end journey. We’re building consumer financing capability from the ground up to offer customers a simpler, more transparent way to finance their vehicle, while supporting Clutch’s growth with a scalable, disciplined lending platform. In this role, you’ll help shape our lending strategy, risk framework, and operations as we bring this business to life.

About the role: We’re hiring a Senior Manager, Credit & Risk to build and lead the credit strategy and risk framework for Clutch’s consumer financing program. You’ll own how we assess risk, make credit decisions, price appropriately, and manage portfolio performance over time. This is a builder role for someone who’s comfortable operating with ambiguity, rolling up their sleeves, and designing scalable credit systems that get better as volume grows.