Mudflap serves the $800B trucking industry, the backbone of the U.S. economy. Our market-leading payment products help truckers save thousands of dollars on fuel (their #1 business expense), while providing our fuel stop partners with access to new, hard-to-reach customers. We’re a fast-growing marketplace business looking for a new customer-obsessed teammate to join us on this exciting journey.

We are seeking an experienced and strategic Credit Risk Manager to lead Mudflap’s credit risk strategy for our fleet card product. In this role, you will define risk policies, develop and monitor credit models, oversee portfolio performance, and partner cross-functionally to embed credit risk considerations throughout the customer journey. This is an exciting opportunity to drive measurable impact in a growing fintech environment and shape the future of our credit program.

Work Location:

We value in-person connection and have offices in both Palo Alto, CA and Austin, TX. While we prefer candidates located in these hubs for occasional meetings and team collaboration, we are open to remote team members who can travel periodically if needed.

To support our team, we offer:

• Commuter benefits to ease your travel
• Lunches and snacks to keep you fueled
• A collaborative, high-growth environment where you’ll work closely

Expectations (In this role, you will):

• Lead the development and execution of Mudflap’s credit risk strategy, policies, and frameworks for our fleet card product
• Monitor credit portfolio performance, optimize risk-reward tradeoffs, and ensure alignment with business goals and regulatory standards
• Build and enhance credit models and risk monitoring tools using internal, bureau, and alternative data sources
• Collaborate with product, operations, finance, and data teams to integrate risk considerations into customer experiences and product launches
• Design and implement effective collections, repayment, and fraud mitigation strategies to reduce losses
• Communicate risk insights and recommendations to senior leaders and external stakeholders, influencing decision-making at the highest level

Experience (What we look for):

• 5+ years of experience in credit risk, preferably within fintech, lending, or mobile payments
• Strong skills in SQL, Python, and Excel, with a track record of building and maintaining credit models and dashboards
• Demonstrated ability to lead both strategic planning and hands-on execution in a dynamic, fast-paced environment
• Deep understanding of the lending lifecycle, credit policy development, and regulatory compliance
• Excellent communication and collaboration skills, with experience presenting to executives and influencing cross-functional team

Perks and Benefits (What we offer):

• Competitive salary and equity in a high-growth startup
• Multiple health benefit options
• Responsible Time Off
• 401(k) matching
• Opportunities and support for major career growth
• Annual Company offsite event (Mudfest!)

The salary range for this role is $160,000 - $190,000. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidate's skills, experience, and other relevant factors will determine the exact compensation.

Company overview (Who we are):

Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affirm and Brex.

Here are the core values that we believe in and look for in new teammates:

• Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do
• Make it Count: Act like an owner by focusing on the impact of your work
• Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates
• Sweat the Details: We keep our standards high and achieve them by paying attention to every detail
• Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what’s possible