Credit Risk Operations Specialist

4 days ago


San Francisco, California, United States Cardless Full time
Job Description

We are seeking a highly skilled Credit Risk Lead to oversee credit risk management across all our partner brands.

About Us

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. Our goal is to help businesses bring imaginative card programs to life while ensuring responsible credit practices.

Salary and Benefits

This role has an annual starting salary range of $140,000-$190,000 + equity + benefits. Our competitive compensation package includes top-of-the-line healthcare (medical, vision, and dental), with 100% primary coverage and 75% dependent coverage for medical. You'll also enjoy unlimited paid time off, with a minimum of 15 days off per year, plus parental leave for birthing and non-birthing parents.

Responsibilities
  1. Lead the development and execution of credit risk strategies for both new and existing brand partners.
  2. Conduct advanced analytics, including customer segmentation, optimization, predictive analytics, and machine learning, to manage risk and detect fraud.
  3. Expand the data used in credit decisioning by leveraging proprietary risk models and evaluating third-party data sources.
  4. Build and maintain automated dashboards to track key performance indicators (KPIs) around originations and portfolio performance, presenting insights to senior management.
  5. Design and execute A/B tests to evaluate new strategies, balancing product performance with customer and partner satisfaction.
  6. Collaborate with the Compliance team to ensure all credit risk strategies align with fair lending regulations and principles.
  7. Develop and maintain comprehensive Credit Policy manuals and underwriting procedures.
  8. 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.


  • San Jose, California, United States Technology Credit Union Full time

    We are seeking a highly skilled EFT Dispute Specialist II to join our team at Technology Credit Union. As a key member of our operations team, you will play a critical role in reviewing and processing credit and debit card and ACH disputes. Your expertise in risk management and analytical skills will be essential in fine-tuning strategies to improve...


  • San Francisco, California, United States San Francisco Federal Credit Union Full time

    Job DescriptionThe Credit Union Retail Specialist plays a critical role in overseeing the operational activities of our retail branches in San Francisco and San Mateo County. As a key member of our team, you will be responsible for managing daily operations, ensuring compliance with banking regulations, and developing procedures to enhance member service and...


  • San Francisco, California, United States Cardless Full time

    About CardlessAt Cardless, we're a leading provider of innovative credit card and loyalty solutions for consumer businesses. Our cutting-edge platform empowers clients to create imaginative card programs that drive customer engagement.We value curiosity, humility, and intensity, driving us to move fast and take ownership. This is an ideal place for a...


  • San Francisco, California, United States Tbwa ChiatDay Inc Full time

    About AffirmAffirm is a leading fintech company that aims to revolutionize credit by providing honest and transparent financial services. We empower consumers with the flexibility to buy now and pay later without any hidden fees or compounding interest.Salary InformationThe estimated annual salary for this position is between $109,000 - $159,000, depending...


  • San Francisco, California, United States EPIP Full time

    Transformative Leadership OpportunityWe are seeking an experienced Credit Risk Management Expert to join our team at EPIP. This is a pivotal role that will involve overseeing all aspects of underwriting and portfolio management for commercial loans, including mortgage loans, construction loans, asset-backed lines of credit, and equipment term loans.The...


  • San Francisco, California, United States First Citizens Bank Full time

    Company OverviewFirst Citizens Bank is a diversified financial institution with a 125-year tradition of service, providing personalized approaches to its clients. The bank offers a range of general banking services through a network of over 550 branches in 23 states.The company has built a unique legacy of strength, stability, and long-term thinking that...


  • San Francisco, California, United States Cardless Full time

    Company OverviewWe're Cardless, a fintech company that's revolutionizing the credit card and loyalty space. Our platform enables consumer businesses to engage their customers through imaginative card programs.With 9 credit cards launched, including partnerships with top brands like the largest mall operator in the U.S. and the largest airline in South...


  • San Francisco, California, United States City National Bank Full time

    About the RoleWe are seeking a highly skilled Financial Credit Specialist to join our team at City National Bank. In this role, you will be responsible for analyzing creditworthiness and providing recommendations on loan transactions. You will work closely with Relationship Managers and Credit Managers to ensure that all due diligence is complete and...

  • Credit Risk Manager

    2 weeks ago


    San Francisco, California, United States Chime Full time

    About the RoleThis is an exciting opportunity for a seasoned Data Science Manager to join our Financial Security products team at Chime. As a key member of our leadership team, you will be responsible for leading cross-functional initiatives to deliver impactful machine learning solutions that enhance member experiences.The ideal candidate will have a strong...


  • San Francisco, California, United States Chime Full time

    **Overview** At Chime, we believe that everyone can achieve financial progress. Our mission is to develop solutions and services that empower people to succeed, while providing a positive and inclusive work environment for our employees. We're passionate about creating data-driven solutions that improve customer satisfaction and business outcomes. If...


  • San Francisco, California, United States City National Bank Full time

    About the RoleWe are seeking a highly skilled Credit Specialist to join our Structured Finance team at City National Bank. In this role, you will be responsible for providing credit and loan underwriting expertise to the cash flow lending/leveraged finance group.Key ResponsibilitiesReview loan requests, historical financial information, and cash flow...


  • San Francisco, California, United States Chime Full time

    About the RoleAt Chime, we are seeking a seasoned Data Science Manager to lead our team in developing innovative credit risk models and solutions. As a key member of our Financial Security products team, you will oversee the development and deployment of advanced machine learning models to improve the accuracy and fairness of credit assessments.Key...


  • San Francisco, California, United States City National Bank Full time

    As a Risk Management Specialist at City National Bank, you will play a pivotal role in supporting the development and operation of our Issues Management Program. This position is responsible for contributing to the continuous improvement of issue management processes, providing centralized oversight, and aggregated issues reporting across the bank.About the...


  • San Francisco, California, United States Chime Full time

    About the RoleAt Chime, we're building innovative credit and lending models that transform how millions of users manage and grow their financial lives. As a Data Science Manager within our Financial Security products team, you'll lead a talented group of data scientists and machine learning engineers to develop cutting-edge risk assessment solutions.You'll...


  • San Francisco, California, United States San Francisco Federal Credit Union Full time

    About the OpportunitySan Francisco Federal Credit Union, a leading financial institution with a strong commitment to growth and stability, seeks an exceptional Senior Risk Management Executive to drive strategic risk management initiatives. This role offers an exciting opportunity for a seasoned professional to make a meaningful impact on the organization's...


  • San Francisco, California, United States Tbwa ChiatDay Inc Full time

    About UpgradeUpgrade is a fintech company that specializes in providing affordable and responsible credit solutions to everyday consumers. With a strong track record of growth, we have delivered over $33 billion in credit to our 5.5 million customers.We have built a collaborative and inclusive culture where team members help each other, learn, and innovate...


  • San Diego, California, United States BluPeak Credit Union Full time

    At BluPeak Credit Union, we're seeking an experienced Credit Solutions Specialist to join our team. In this key role, you'll play a critical part in delivering exceptional service and financial solutions to our members.Job SummaryThis position is responsible for providing expert-level guidance and support to members facing financial challenges. As a Credit...


  • San Diego, California, United States Wheelhouse Credit Union Full time

    At Wheelhouse Credit Union, we're committed to hiring top talent to support our lending operations. As a Loan Officer II, you will be responsible for reviewing loan applications, interviewing applicants, and making informed credit decisions.We're looking for a highly skilled and detail-oriented individual who can analyze complex information, communicate...


  • San Francisco, California, United States Social Finance (SoFi) Full time

    Company OverviewSocial Finance (SoFi) is a next-generation financial services company and national bank that's changing the way people think about and interact with personal finance. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way.We're looking for a...


  • San Francisco, California, United States Cypress HCM Full time

    About the JobWe are seeking an Operational Risk Specialist to join our team. In this role, you will be responsible for conducting retrospective analyses of severe incidents, identifying potential remediation opportunities, and providing insights for future Trust defense expansion capabilities.ResponsibilitiesIncident Review: Perform retrospective...