Strategic Credit Risk Manager
5 days ago
At 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 motivated, resourceful individual to make a significant impact on our growth trajectory. Headquartered in San Francisco, we've raised around $60 million in equity funding from top venture capital firms and angels.
Credit Risk Lead Job OverviewThe Credit Risk Lead at Cardless will oversee credit risk management across all partner brands, driving initiatives around originations, account management, collections strategies, reporting, loss forecasting, and advanced analytics. This role requires developing and implementing tools to scale risk management processes as we grow partnerships.
A strong sense of responsibility is crucial: you'll foster open communication, address concerns proactively, and ensure adherence to policies and procedures. You'll also 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.
Key Responsibilities- Lead the 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 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.
- 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.
This role comes with an annual salary range of $140,000 - $190,000, along with equity and benefits. Actual compensation is influenced by factors like skills, experience, and work location. We offer a comprehensive benefits package, including highly competitive salaries, significant equity, and a 401(k) plan. Top-of-the-line healthcare coverage and unlimited paid time off are also part of the deal.
We welcome employees who want to work from our beautiful office in the Mission District or remotely across the continental US. For in-office employees, we provide catered lunches and $250/month commuter assistance. Remote employees get a $500 remote setup stipend to help them do their best work.
LocationWe're headquartered in San Francisco, CA, with a beautiful office in the Mission District (near Dolores Park). While we primarily hire in-office employees locally, we also welcome remote applicants across the continental US. We regularly bring our team together for offsites & trips, covering all travel & lodging costs.
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