Head of Risk Management

7 days ago


San Francisco, California, United States Cardless Full time
Job Title: Head of Risk

At Cardless, we're seeking a seasoned risk management professional to lead our risk systems and team. As Head of Risk, you'll be responsible for overseeing our risk management strategies and ensuring the health of our credit card book.

Key Responsibilities:
  1. Application Decisioning: You'll oversee the models and underwriting techniques we deploy through our embedded lending platform, working closely with our design, engineering, compliance, legal, and capital markets teams to continually improve how the system functions.
  2. Transaction Decisioning: You'll be responsible for monitoring transactions, declining (and sometimes freezing) those we believe to be fraudulent, weighing the tradeoff between customer convenience/ease and risk management.
  3. Portfolio Monitoring: Critical to managing a credit card book is ongoing monitoring of the portfolio, and making adjustments where needed to adequately manage risk.
  4. Issuing & Lending Partnerships: You'll be responsible for the health of our partnerships with banks and lenders, preparing materials for regular meetings and adjusting policies as needed based on their feedback.

In this role, you'll also be a leader at our company, encouraged and expected to weigh in on company strategy, including our product roadmap, the brands we choose to partner with, our capital stack, our culture and organization building plan, and more.

Requirements:
  • At least 10 years of experience in consumer lending risk management, including experience across credit and fraud, and with card products specifically.
  • Experience working at a technology company, and the collaboration with engineering and product that comes with it.
  • Experience hiring and building a team.
  • Technical and quantitative experience (e.g. querying large datasets in SQL and model building in Python, SAS, or R).
  • Strong communication skills.

$200,000 - $275,000 a year Plus, equity and benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.



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