Source Job

• Analyze and assess risk by examining financial data, transaction patterns, and user behavior to identify fraud, credit, and compliance risks.
• Develop and implement risk controls by partnering with product, engineering, and data science teams to build automated decisioning systems.
• Contribute to strategic planning by providing insights on risk trends and policy improvements to support company growth.

Found builds tools to give self-employed people the security of big corporations through a business bank account that automates taxes and expense tracking. The company is a growing fintech startup with a diverse team, offering a collaborative culture focused on making a meaningful impact.

• Build analytics and procedures to monitor credit performance and protect Thrive’s bottom line.
• Produce reporting and dashboards that communicate credit risk trends to stakeholders.
• Monitor credit underwriting models and leverage AI/automation for more efficient insights.

Thrive Financial is a mission-driven fintech focused on enabling responsible, accessible financing. The company is in high growth mode and offers a fully remote, collaborative environment.

• Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards.
• Monitor and manage retail credit exposures from origination to portfolio performance.
• Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.

CloudWalk is building the future of payments, operating as a Type 3/Segment S3 financial institution in the payments and acquiring space. The company focuses on risk management and innovation, with a high-performing team that values data, automation, and AI.

• Design, develop, and optimize predictive risk models and decision frameworks across payment rails and cryptocurrency domains.
• Partner with Product, Engineering, and Operations to embed model-driven risk decisioning throughout the customer journey.
• Conduct deep-dive investigations into fraud events and payment losses, supporting model governance and regulatory review.

Binance.US is a licensed and regulated U.S. crypto platform providing secure access to over 190 cryptocurrencies with low fees. It is a remote-first team of innovators building the bridge between traditional finance and Web3, committed to financial freedom for all.

• Develop, validate, and optimize statistical and machine learning models including regression and XGBoost to detect and prevent fraud.
• Design features, build tools, and deploy models in production environments to improve performance and stability.
• Conduct model governance activities including validation, documentation, and ongoing monitoring with clear reporting.

Experian is a global data and technology company powering opportunities for people and businesses worldwide, operating across financial services, healthcare, automotive, and more. With 23,300 employees in 32 countries, the company is a FTSE 100 Index listed firm recognized for its people-first culture and advanced technology investments.

• Lead a high-calibre ML team to shape Borrowing's ML roadmap across UK growth, new customer segments, and EU expansion.
• Improve underwriting, pricing, limits, and lifecycle decisioning through faster model iteration and new data sources.
• Partner with leaders across Credit Strategy, Product, Engineering, and Data to drive commercial impact and long-term strategic advantage.

Monzo is on a mission to make money work for everyone, offering personal and business bank accounts, savings, investments, and pensions. As a rapidly growing fintech with a strong UK presence, we foster an inclusive culture focused on innovation and customer delight.

• Drive credit risk frameworks for new acquisition channels including aggregator sites and marketing networks.
• Optimize underwriting and real-time decisioning strategies for a seamless customer experience.
• Shape product and pricing economics, including NPV modeling and promotional offers.

Monzo is a digital bank on a mission to make money work for everyone, offering personal and business accounts, credit cards, and more. They have a growing team and a culture of data-driven decision making and innovation.

• Design, develop and deploy advanced statistical or machine learning models for credit risk, pricing, collections, fraud, and other high-impact business use cases.
• Lead end-to-end delivery of data science initiatives from problem framing through deployment and monitoring.
• Partner with cross-functional teams including Portfolio Strategy, Engineering, Product, and Sales to integrate models and solve critical business problems.

Forward Financing is a fintech company that unlocks capital for small businesses across America. Since 2012, it has provided over $4.8 billion in funding to more than 92,000 small businesses and is recognized as a Best Place to Work by Built In Boston.

• Own Kepler data content end-to-end, driving product success with accurate outputs and increasing client value.
• Tackle complex data problems using analytical judgment to refine methodologies and derive key insights.
• Use AI and tooling to drive leverage, automating workflows and validating outputs.

YipitData is the leading market research and analytics firm for the disruptive economy, having raised $475M. Its award-winning, people-centric culture emphasizes transparency, ownership, and continuous mastery.

• Work directly with TelCo clients to uncover emerging fraud trends and co-build detection models using cross-industry data.
• Translate ambiguous client questions into clear analytical plans and execute them independently from start to finish.
• Build reusable tools, templates, and analytical frameworks to scale the fraud analytics consortium offering.

Experian is a global data and technology company that redefines lending, prevents fraud, simplifies healthcare, and creates digital marketing solutions across multiple industries. As a FTSE 100 company with 23,300 employees across 32 countries, they prioritize innovation, inclusion, and a people-first culture.

• Own Tala's Expansion Markets risk function, covering growth D2C markets and Partnership underwriting.
• Develop and execute credit strategies including approval rate calibration, limit setting, and pricing.
• Lead underwriting strategy for partnership pilots and ongoing risk management for B2B2C portfolio.

Tala is an AI-native credit infrastructure company that provides credit access to underserved populations globally. With over $500 million in funding and a remote-first team, Tala has a mission-driven culture.

• Own data products end-to-end, delivering best-in-class outputs with a focus on accuracy, client value, and efficiency.
• Tackle complex data problems using strong analytical judgment to refine methodologies and solve challenges with creative thinking.
• Use AI and tooling to drive leverage, automating workflows while maintaining a high bar for correctness and quality.

YipitData is the leading market research and analytics firm for the disruptive economy, analyzing billions of alternative data points for investment funds and Fortune 500 companies. Recognized by Inc. as a Best Workplace for three consecutive years, the company operates globally with offices in the US, APAC, and India, emphasizing transparency, ownership, and continuous mastery.

• Conduct in-depth analysis to shape product-led growth and B2B strategy.
• Leverage AI tools to build self-service analytics enabling stakeholders to access reliable metrics.
• Collaborate with product and engineering teams to drive experimentation culture and practices.

Descript is building a simple, intuitive, fully-powered editing tool for video and audio — an editing tool built for the age of AI. We are a team of 150 and have the backing of some of the world's greatest investors, including OpenAI, Andreessen Horowitz, Redpoint Ventures, and Spark Capital.

• Lead development of AI-driven credit risk analytics and portfolio management frameworks.
• Serve as the connect point between Credit Risk and Capital Markets, translating complex models into investor narratives.
• Drive strategic initiatives to enhance risk-adjusted returns and support scalable growth through advanced analytics.

Achieve is a digital personal finance company that helps people move from struggling to thriving through innovative financial solutions. Since 2002, we've grown into one of the largest private consumer fintech unicorns in the U.S. with over 3,000 employees in hybrid and remote roles across the country.

• Independently manage data quality end-to-end and resolve complex issues across data pipelines and sources.
• Improve category classification and product attribution while collaborating with cross-functional partners.
• Serve as a trusted resource for clients and internal stakeholders, communicating complex problems in simple terms.

YipitData is the leading market research and analytics firm for the disruptive economy, analyzing billions of alternative data points to uncover actionable insights. The company has raised $475M from The Carlyle Group, valued at over $1B, operates globally with offices in the US, APAC, and India, and has been recognized by Inc. as a Best Workplace for three consecutive years.

• Monitor merchant processing activity to identify suspicious transactions and potential fraud.
• Investigate alerts and review reports to mitigate company losses and ensure compliance.
• Collaborate with cross-functional teams to design risk strategies and maintain SOPs.

Xplor provides cloud-based technology solutions for small and medium-sized businesses to manage payments and operations, processing over $47 billion annually for 130,000+ businesses in 72+ countries. The company is backed by investors Advent International, Battery Ventures, and Silver Lake, and fosters a culture guided by values of simplicity, purpose, community, and people-first.

• Define the technical strategy and roadmap for credit risk and fraud detection using statistical and ML approaches.
• Design, build, and deploy production-quality machine learning models for credit scoring, fraud detection, and risk modeling.
• Collaborate closely with Engineering, Product, Risk, and Operations teams to align data science strategy with business goals.

Djamo builds the future of banking in Africa with a super-app that combines payments, transfers, savings, and budgeting. Launched in 2020, the company serves over one million users and is backed by investors like Y Combinator and Partech, fostering a culture of innovation and inclusion.

• Drive strategic Payments roadmaps and user journey optimizations through data-informed insights and cross-functional collaboration.
• Design and execute rigorous experimentation frameworks, utilizing advanced statistical modeling and causal inference to quantify business impact.
• Collaborate with platform teams to maintain a resilient payments infrastructure and analyze payment processing trends.

Airbnb connects hosts with guests for unique stays and experiences worldwide. The company has grown to over 5 million hosts and 2 billion guest arrivals, fostering a culture of inclusion and belonging.

• Connect data, customer behavior, and campaign performance to drive personalized CRM strategies for SME clients.
• Translate NBO/NBA model outputs into actionable hypotheses, tests, and communication campaigns.
• Partner with CRM, Marketing, Sales, Product, Data Science, and Analytics teams to embed analytical intelligence into customer journeys.

Experian is a global data and technology company that drives opportunities for people and businesses worldwide. With 25,200 employees across 32 countries, the company fosters a people-centric, inclusive culture recognized by awards such as World's Best Workplaces 2025 and Great Place to Work in 26 countries.

• Design and execute structured evaluation frameworks to assess the quality and fraud-signal value of incoming data assets from vendor partners.
• Build lift analyses, backtests, and champion/challenger comparisons to quantify the incremental value of new data signals against our existing fraud detection stack.
• Collaborate with fraud leadership to define evaluation criteria and translate vendor data findings into actionable recommendations such as adopt, pilot, or decline.

Sardine is the leading agentic risk platform for fighting financial crime, unifying data across risk teams to stop fraud in real time and prevent AI-driven attacks. They are a remote-first company with hubs in the Bay Area, NYC, Austin, Toronto, and São Paulo, valuing performance and self-motivated individuals.