95 applicants

Company

Cardless · 6 hours ago

Credit Risk Lead

San Francisco, CA and Remote US

Full-time

Remote

Senior Level

$140K/yr - $190K/yr

3+ years exp

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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.

Qualification

Find out how your skills align with this job's requirements. If anything seems off, you can easily click on the tags to select or unselect skills to reflect your actual expertise.

Credit risk managementSQLExcelPythonSASRA-B testingData pipeliningData modelingETL processesPredictive analyticsCustomer segmentationFair lending regulationsLoss forecastingBanking partners experienceThird party data vendors

Required

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.

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.

Preferred

Knowledge of statistical packages in other programming languages such as Python, SAS or R

Experience working with banking partners and third party data vendors

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)

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

Company

Cardless

Cardless operates the leading platform for consumer brands to launch credit card products.

Founded in 2019

San Francisco, California, USA

11-50 employees

https://www.cardless.com

H1B Sponsorship

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2022 (2)

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