Credit Risk Lead
At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Alibaba and Qatar Airways. 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 $90M in equity funding from top venture capital firms and angels.
About the Job
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...