Jobs and Careers
CA
Sr. Risk Analyst
CardlessSan Francisco, United StatesRemotefull_timeVerifiedPosted 11 Feb 2025
💰 $140,000/yr($100,000/yr – $140,000/yr)
About the role
At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Alibaba and Qatar Airways. 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 $90M in equity funding from top venture capital firms and angels.
———
Risk 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.
We'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 (see below), and relocation assistance to those who'd like to.
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 & perks
For 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
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
Our Values
We believe that the best companies are the ones that successfully align their vision and values, that match their decision making processes, hiring criteria, and overall operating principles to the change they’re striving to make. We're willing to spend significant time and resources to be above average at the following things, because we believe that will lead to long term success.
- Be curious and be the solution. We work in a complex space. In order to be successful, we must think globally and collaborate cross-functionally. We ask thoughtful questions
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 $90M in equity funding from top venture capital firms and angels.
———
Risk 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.
We'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 (see below), and relocation assistance to those who'd like to.
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 & perks
For 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
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
Our Values
We believe that the best companies are the ones that successfully align their vision and values, that match their decision making processes, hiring criteria, and overall operating principles to the change they’re striving to make. We're willing to spend significant time and resources to be above average at the following things, because we believe that will lead to long term success.
- Be curious and be the solution. We work in a complex space. In order to be successful, we must think globally and collaborate cross-functionally. We ask thoughtful questions
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