Full-Time Credit Risk Lead

Cardless is hiring a remote Full-Time Credit Risk Lead. The career level for this job opening is Manager and is accepting USA based applicants remotely. Read complete job description before applying.

Cardless

Job Title

Credit Risk Lead

Posted

Career Level

Full-Time

Career Level

Manager

Locations Accepted

USA

Salary

YEAR $140000 - $190000

Job Details

At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 9 credit cards, including for the largest mall operator in the U.S. and the largest airline in South America. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $60M in equity funding from top venture capital firms and angels.

———

The Credit Risk Lead at Cardless will oversee credit risk management across all our partner brands. This includes leading initiatives around originations (such as credit policy, initial line assignment, and risk-based pricing), account management (e.g., CLI, CLD, Authorization), collections strategies, reporting, loss forecasting, and advanced analytics. In this role, you will develop and implement tools to scale risk management processes as we grow our partnerships.

A strong sense of responsibility is key: you will foster open communication, address concerns proactively, and ensure adherence to policies and procedures. Additionally, you'll align with Cardless' risk appetite while balancing customer experience and operational objectives. As the company scales, you'll be accountable for identifying, managing, and reporting risks across all areas of the business.

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.

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.

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


FAQs

What is the last date for applying to the job?

The deadline to apply for Full-Time Credit Risk Lead at Cardless is 3rd of January 2025 . We consider jobs older than one month to have expired.

Which countries are accepted for this remote job?

This job accepts [ USA ] applicants. .

Related Jobs You May Like

Long-Range Planning Manager

USA
2 days ago
Budgeting
Financial Analysis
Financial Modeling
Dropbox
Full-Time
Manager
YEAR $118300 - $180100

Data Analytics Manager

USA
3 days ago
Data Analysis
Data Visualization
Power BI
Pepper
Full-Time
Manager
YEAR $120000 - $140000

Manager, Data Science Production Engineering

USA
3 days ago
Data Analysis
Data Visualization
SQL
Natera
Full-Time
Manager
YEAR $150700 - $188450

Staff Data Engineer

New York, NY
5 days ago
Cloud Platforms (AWS,Azure)
Databricks
ETL Tools
A Place For Mom
Full-Time
Expert
YEAR $150000 - $170000

Principal Data Engineer

New York, NY
5 days ago
Data Engineering
Databricks
ETL
A Place For Mom
Full-Time
Expert
YEAR $170000 - $190000

Reporter Climate

New York City, New York, United States
5 days ago
Business Reporting
Climate Science
Data Analysis
ProPublica
Full-Time
Experienced
YEAR $95000 - $170000

Responsible Gaming Associate

Brooklyn, New York, United States
5 days ago
Communication
Compliance Monitoring
Customer Engagement
Underdog Sports
Full-Time
Experienced
YEAR $70000 - $80000

Data Engineer Python Senior

Rabat, Morocco
5 days ago
Data Analysis
Data Engineering
Machine Learning
ALTEN
Full-Time
Senior Manager

Residential Area Surveyor

United Kingdom
5 days ago
Energy Reports
Residential Surveys
Survey Experience
LegalAndGeneral
Full-Time
Experienced

Senior SAP S/4HANA Planning Analyst

İstanbul, Turkey
6 days ago
Planning
Problem Solving
SAP IBP
Fusion Consulting
Full-Time
Senior Manager

SAP MDM Consultant (Finance)

Lisbon, Portugal
1 week ago
Data Analysis
Data Migration
Finance
Fusion Consulting
Full-Time
Experienced

Manager, Business Intelligence

USA, Canada
1 week ago
Data Analysis
Power BI
Python
Jungle Scout
Full-Time
Manager
YEAR $100000 - $160000

Looking for a specific job?