Job Details

Credit & Fraud Risk Analyst

We're hiring a Credit & Fraud Risk Analyst to help build and scale the risk function at a fast-growing fintech startup building modern financial infrastructure around Education Savings Accounts (ESAs).

This is a demanding, high-intensity role in a rapidly scaling company. Candidates should expect a fast-moving environment with high ownership, operational rigor, and direct exposure to real-time risk decision making. This person will work closely with leadership on onboarding, underwriting, transaction monitoring, fraud detection, and operational automation across the company's charge card and payments infrastructure.

This is not a traditional back-office risk role. We are looking for highly analytical operators who are comfortable making decisions with imperfect information, digging deeply into data, and balancing customer experience with sound risk management.

What You'll Own

• Transaction monitoring and fraud investigations across the charge card program
• Credit risk analysis, underwriting support, and portfolio performance monitoring
• Risk analytics and reporting tied to approval rates, utilization, losses, and fraud trends
• Operational workflows and automations across Credit, Fraud, BSA/AML, and servicing
• Risk tooling, dashboards, and data-driven decision infrastructure
• Cross-functional coordination across engineering, compliance, legal, support, and operations teams
• Building scalable systems for a rapidly growing fintech platform

What You'll Do

• Monitor and investigate transaction activity to identify fraud patterns, suspicious behavior, and emerging risk vectors
• Analyze portfolio performance including approval rates, loss rates, NSF returns, and utilization trends
• Build analytics initiatives to support underwriting optimization and portfolio management strategies
• Develop operational automations that streamline workflows across risk and compliance functions
• Work closely with engineering, legal, support, and compliance teams to operationalize risk requirements
• Communicate directly with customers while balancing customer experience and risk management objectives
• Identify operational bottlenecks and improve internal processes through automation and data analysis
• Help shape how the risk organization scales as the business grows
• Operate effectively in an environment with constant change, evolving priorities, and imperfect information

Who You Are

• 2+ years of experience across risk, credit, fraud, underwriting, trust & safety, or operational analytics functions
• Experience working in fast-paced startup, fintech, payments, banking, or high-growth environments
• Strong analytical mindset with the ability to make decisions using incomplete information
• Comfortable working directly with transaction data, portfolio analytics, and operational workflows
• Strong attention to detail with a high level of operational ownership
• Customer-oriented and thoughtful about balancing friction with risk mitigation
• Highly organized, resourceful, and execution-oriented
• Comfortable working cross-functionally with technical and non-technical teams

Strongly Preferred

• Experience with credit card, charge card, or payments products
• Exposure to underwriting, fraud prevention, transaction monitoring, or portfolio risk management
• Familiarity with MCC codes, merchant risk, or payments infrastructure
• Strong SQL skills and comfort analyzing transaction-level data
• Experience building automations or operational tooling
• Startup or early-stage fintech experience

Why This Role

This is an opportunity to join a company at an early stage and help build the foundation of the risk organization from the ground up.

You'll work directly with experienced fintech and risk leadership, influence core operational and product decisions, and have meaningful ownership from day one in a rapidly growing startup environment.