Risk Analyst - Fleet Card

Summary

Join Bobtail, a company dedicated to improving supply chain efficiency, as a data-driven Risk Analyst. This entry-level role involves working with financial data, identifying unusual spending patterns, and building systems to prevent credit losses. You will collaborate with the Risk Manager to analyze cardholder behavior, enhance credit policies, and improve visibility into emerging risks. The ideal candidate possesses strong SQL skills, an analytical mindset, and experience working with large datasets. This high-impact role offers significant learning opportunities within a fast-growing fintech environment. Apply if you are an out-of-the-box thinker who enjoys problem-solving and collaboration.

Requirements

• Strong SQL skills — must be able to query transaction and user-level data independently
• Analytical mindset with a strong eye for outliers, trends, and inconsistencies
• Comfort working with large, messy datasets and turning them into clean reports
• Familiarity with dashboarding tools (Looker, Tableau, Power BI, etc.)
• Strong written communication, especially when documenting casework or investigation summaries

Responsibilities

• Track and report on key credit risk indicators (KRIs) like Days Past Due, Utilization Rates, and Limit Breaches
• Identify early warning signs such as spend spikes, irregular usage locations, or frozen credit reports
• Investigate late payments, missed repayments, and suspected misuse of cards
• Support root cause analysis (RCA) for fraud, default, or risky customer behavior
• Write and optimize SQL queries to extract relevant cardholder and transaction-level data
• Collaborate with the Credit and Ops teams to review customer creditworthiness and update credit line recommendations
• Help design alerts and internal tools to flag high-risk patterns in real time
• Clean and prepare data for reporting, presentations, and leadership updates
• Summarize findings in short, structured writeups with risk-relevant insights

Preferred Qualifications

• Experience with Python for analysis or automation
• Familiarity with credit risk management, underwriting, or collections
• Internship or hands-on experience in fintech, lending, or card-based products
• Prior experience in a tech startup — preferred for adaptability and ownership

Benefits

• Monthly Mental Break Day
• Paid Time Off
• Work from home (or wherever)
• Parental leave