Cardless is hiring a
Risk Analyst

Summary

The job is for a Risk Analyst at Cardless, a San Francisco-based credit card and loyalty platform startup. The role involves managing credit policy, developing risk models, performing quantitative analysis, creating fraud mitigation strategies, and A-B testing. The company values curiosity, humility, and intensity.

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

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

Preferred Qualifications

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

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