Credit Risk Lead

Summary

Join Cardless as their Credit Risk Lead and oversee credit risk management across all partner brands. Lead initiatives in originations, account management, collections, reporting, and advanced analytics. Develop and implement tools to scale risk management processes. Foster open communication, address concerns proactively, and ensure policy adherence. Align with Cardless' risk appetite while balancing customer experience and operational objectives. Identify, manage, and report risks across all business areas as the company scales.

Requirements

• Bachelor's or Master’s degree in a STEM field or Economics, with a focus on data-driven problem solving (preferred)
• 5+ years of experience in credit risk within the consumer credit industry
• 2+ years of hands-on experience using R, Python, SAS, and SQL to analyze large, complex datasets
• 1+ year of experience in quantitative analysis within a bank or fintech environment
• Strong knowledge of the consumer credit landscape and familiarity with fair lending regulations such as ECOA, FCRA, and TILA
• Proficiency with BI/data visualization tools (e.g., PowerBI, Tableau) to create clear, actionable dashboards
• Experience designing and implementing A/B testing to assess new strategies
• Familiarity with data pipelining, data modeling, and ETL processes
• Ability to thrive in a fast-paced, high-volume environment while managing multiple tasks simultaneously
• Strong communication and presentation skills, with the ability to convey complex analyses clearly

Responsibilities

• Lead the development and execution of credit risk strategies for both new and existing brand partners
• Conduct advanced analytics, including customer segmentation, optimization, predictive analytics, and machine learning, to manage risk and detect fraud
• Expand the data used in credit decisioning by leveraging proprietary risk models and evaluating third-party data sources
• Build and maintain automated dashboards to track key performance indicators (KPIs) around originations and portfolio performance, presenting insights to senior management
• Design and execute A/B tests to evaluate new strategies, balancing product performance with customer and partner satisfaction
• Collaborate with the Compliance team to ensure all credit risk strategies align with fair lending regulations and principles
• Develop and maintain comprehensive Credit Policy manuals and underwriting procedures
• Partner closely with Engineering, Product, and Operations teams to assess operational feasibility and launch MVPs, iterating quickly based on performance

Preferred Qualifications

Experience working with banking partners and third-party data vendors is a plus

Benefits

• 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 (e.g. rock climbing in Utah, watching a Cavs game in a suite, and staying in an Italian villa in Carmel Valley)
• Access to amazing advisors & investors, like Gil Shklarski (Flatiron Health CTO), Dorothy Kilroy (Airbnb & Marqeta exec), and Frank Mastrangelo (Bancorp founder)
• Catered lunch at the office every day, plus plenty of snacks & drinks
• $250/month commuter assistance for public transit or our parking garage
• $500 remote setup stipend to help you do your best work
• Meaningful Start-up equity
• 100% health, vision & dental primary coverage
• 75% health, vision & dental dependent coverage
• Catered lunches
• $250/month Commuter benefit
• Parental leave
• Team building events & happy hours
• Flexible PTO with a minimum of 15 days off per year
• Apple equipment
• 401k plan