Credit Risk Lead

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Overview

At Cardless we build a credit card and loyalty platform that consumer businesses use to engage their customers. We have launched 14 credit cards for brands such as Alibaba and Qatar Airways and embed credit card features natively into partner products. Cardinal powers our platform with $90 M in equity funding and a headquarters in San Francisco.

About The Job

The Credit Risk Lead will oversee credit risk management across all Cardless partner brands, leading initiatives around origination, account management, collections, reporting, loss forecasting, and advanced analytics.

Responsibilities

• Lead development and execution of credit risk strategies for 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 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 Compliance to align strategies with fair lending regulations.

• Develop and maintain loss forecasting models to predict charge‑offs and recovery rates across delinquency stages.

• 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.

• 7+ years of experience in credit risk within the consumer credit industry.

• 4+ years of hands‑on experience with R, Python, SAS, and SQL to analyse large, complex datasets.

• 2+ years of quantitative analysis experience in a fintech startup.

• Strong knowledge of the consumer credit landscape and fair‑lending regulations (ECOA, FCRA, TILA).

• Proficiency with BI/data visualization tools (e.g., Power

BI, Tableau) to create clear dashboards.

• Experience designing and implementing A/B testing to assess new strategies.

• Familiarity with data pipelining, data modelling, and ETL processes.

• Ability to thrive in a fast‑paced, high‑volume environment while managing multiple tasks.

• Strong communication and presentation skills, conveying complex analyses clearly.

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

Salary and Benefits

Annual base: $160,000–$200,000 plus equity and benefits (see below).

• Meaningful startup equity.

• 100% health, vision & dental primary coverage.

• 75% health, vision & dental dependent coverage.

• Catered lunches.
• $250/month commuter benefit.

• Parental leave.

• Team building events & happy hours.

• Flexible PTO (minimum 15 days off per year).

• Apple equipment.

• 401(k) plan.

Location

San Francisco, CA – Mission District (near Dolores Park). Remote work options and relocation assistance available.

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