Sr. Risk Analyst

Company: Cardless
Location: San Francisco
Posted on: November 13, 2024

Job Description:

At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We've launched 9 credit cards, including for and . We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.We value curiosity, humility, and intensity - we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco and have raised about $60M in equity funding from top venture capital firms and angels.Risk AnalystRisk at Cardless is responsible for the credit and underwriting policy for all of our partner brands as well as our fraud defenses. We aim to get risk management right in accordance with our risk appetite as our business continues to scale aggressively. As a Risk Analyst on the Risk team, you will be working on iterating our underwriting policy in response to product performance, and building the tools that will allow us to scale risk management across multiple new partners and brands, as well as reviewing our portfolio and incoming applications for suspicious and fraudulent activity. It's going to be a monumental task but a challenge of this size should excite you. Additionally, since we are a startup, you will need to understand the balance between growth and risk and be comfortable making informed tradeoffs when needed.Responsibilities

• Build and manage credit policy for our new and current brand partners.
• Develop and enhance our proprietary in-house risk models to predict loss behavior.
• Perform quantitative analysis to understand vectors of risk and fraud behaviors.
• Create rules and strategies around mitigating fraud at all levels - applications, account management, and transactions.
• Run A-B testing to optimize Cardless's business processes and strategies.Requirements
  • 3+ years of experience in credit risk in the consumer credit space.
  • Excellent analytical skills and experience querying large datasets - fluency in SQL and Excel are must haves.
  • Knowledge of statistical packages in other programming languages such as Python, SAS, or R are a bonus.
  • Experience with experimental design and A-B testing.
  • Familiarity with data pipelining, data modeling, and ETL processes.
  • Ability to tell clear stories using data.
  • Strong understanding of the consumer credit space and familiarity with fair lending regulations such as ECOA, FCRA, and TILA.
  • Effective oral, written, and interpersonal communication skills.
  • Experience working with banking partners and third-party data vendors is a bonus.LocationWe're headquartered in San Francisco, CA, with a beautiful office in the Mission District (near Dolores Park). We welcome employees who want to work from this office; we offer additional benefits to those who do, and relocation assistance to those who'd like to.We are hiring remotely across the continental US for most roles. We work hard to create a first-class, remote-friendly environment, with an additional benefit for remote employees, too.We regularly bring our team together for offsites & trips, about every 2 months, both for fun and for work. We cover all travel & lodging in these cases.A condition of employment at Cardless is being fully vaccinated and boosted against COVID prior to beginning your employment. We'll ask you to send us a copy of your vaccination card in advance of your first day.Benefits & perksFor all employees, we offer:
    • Highly competitive salaries, significant equity, and a 401(k) plan.
    • Top-of-the-line healthcare (medical, vision, and dental), with 100% primary coverage and 75% dependent coverage for medical.
    • Unlimited paid time off, with a minimum of 15 days off per year.
    • Parental leave for birthing and non-birthing parents.
    • Amazing team trips & offsites.For in-office employees:
      • Catered lunch at the office every day, plus plenty of snacks & drinks.
      • $250/month commuter assistance for public transit or our parking garage.For remote employees:
        • $500 remote setup stipend to help you do your best work.CompensationThis role has an annual starting salary range of $100,000-$140,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.Cardless employees are required to be fully vaccinated and boosted against COVID-19, and to provide proof of vaccination prior to their first day. Cardless is an equal opportunity employer, and we value a diverse and inclusive workplace. We do not discriminate on the basis of race, national origin, ethnicity, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other applicable legally protected characteristics.
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Keywords: Cardless, Union City , Sr. Risk Analyst, Professions , San Francisco, California