Source Job

• Develop credit and fraud strategies using data, machine learning models, and advanced analytics to optimize risk decisions.
• Design A/B tests to balance risk and customer experience, and partner with Data Science, Product, and Engineering teams.
• Analyze portfolio performance at a granular level, identify trends, and communicate findings to Risk Management.

Prosper is a fintech company that pioneered peer-to-peer lending in the US, offering personal loans and credit cards to help consumers achieve financial well-being. Since 2005, it has served over 2 million customers and fosters a culture of collaboration, curiosity, and accountability.

• 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.

• 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.

• 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.

• 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.

• 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.

• Own credit risk for Gauntlet's $1.5B+ client TVL, defining underwriting standards and frameworks from scratch.
• Underwrite institutional credit relationships, build PD/LGD models, and set guardrails for lending products.
• Partner with Capital Markets on deal structuring and monitor portfolio performance with stress testing.

Gauntlet builds financial systems of the future, operating across the entire stack to offer vault products for onchain finance. They serve over $1.5B in client TVL across large fintechs, protocols, and asset managers, blending traditional finance with crypto-native expertise.

• Own end-to-end credit strategy, risk modeling, and portfolio performance for embedded lending products, ensuring seamless translation of data into underwriting decisions.
• Drive data integrity, source new signals, and build monitoring frameworks to optimize approval rates and loss performance across all credit products.
• Lead a team of seven risk specialists, fostering analytical rigor and accountability while collaborating cross-functionally with Product, Engineering, and Capital Markets.

Pipe builds embedded capital for small businesses through credit products inside software platforms like vertical SaaS and marketplaces. It is a remote-first team with 250% ARR growth year over year, partnerships with major brands like Uber Eats, and a culture of high trust and no ego.

• 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.

• Use SQL and other analytical tools to conduct in-depth analysis of customers, transactions, alerts, and risk ratings.
• Develop, tune, and maintain transaction monitoring and sanctions screening models to improve detection and reduce false positives.
• Partner with compliance, product, and data leaders to translate regulatory requirements into effective analytical frameworks.

Mercury is building a complete finance stack for startups, providing banking services through partner banks. As a fintech company, they focus on creating a safe and easy banking experience while protecting against bad actors, with a culture of high agency and adaptability.

• 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.