Remote Senior Risk Analyst

Summary

Join Cardless as a Risk Analyst and contribute to the credit and underwriting policy for partner brands while iterating our underwriting policy in response to product performance. You will build tools to scale risk management across multiple new partners and brands, review portfolios and incoming applications for suspicious and fraudulent activity, and understand the balance between growth and risk.

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

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

Benefits

• Highly competitive salaries
• Significant equity
• 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
• 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