Assess brand, compliance, fraud, and financial risk to determine credit exposure on new and existing merchants.
Use business credit reports, financial documents, and investigative tools to conduct risk assessments of merchants.
Investigate and leverage new third-party data sources to evaluate merchant financial risk.
Affirm is reinventing credit to make it more honest and friendly, offering consumers flexibility to buy now and pay later without hidden fees. The company is a remote-first financial technology firm with a focus on employee well-being and inclusive culture.
Investigate complex, high-risk user business cases applying deep risk judgment and tailored solutions.
Navigate ambiguity to develop evidence-based recommendations where standard frameworks do not apply.
Collaborate across Risk Operations, Legal, Compliance, and Product to build holistic risk mitigation strategies.
Stripe is a financial infrastructure platform for businesses, enabling millions of companies to accept payments and grow revenue. With a mission to increase the GDP of the internet, it fosters a culture of innovation and tackling ambitious challenges.
Identify blind spots in processes and controls, and recommend improvements.
Facilitate pre-launch reviews, risk self-assessments, and incident management.
Coordinate with cross-functional teams to ensure products are launched safely and comply with risk frameworks.
Mercury is building a complete finance stack for startups, simplifying banking for entrepreneurs and businesses. The company has obtained a provisional national bank charter and is scaling its operations, with a diverse team.
Support sourcing, onboarding, and management of Credit Reference Agencies and external-data suppliers.
Maintain records of bureau data, reconcile spend, and identify cost-saving opportunities.
Coordinate with Legal, Data Protection, and Procurement teams for supplier onboarding and testing.
Monzo aims to make money work for everyone by offering innovative banking products like personal and business accounts, savings, and pensions. With 10 years of growth and a focus on customer service, they are a dynamic company fostering a diverse and inclusive culture.
Execute end-to-end client risk assessments, including document collection, interviews, scoring, and written assessments.
Own program underwriting, third-party risk management, and enterprise risk assessment processes.
Test, deploy, and tune agentic AI tooling to automate routine assessment tasks, while maintaining judgment on exceptions.
Lithic is a modern card issuing and processing platform that powers card programs for 100+ fintech clients, including Mercury, Flex, and Novo. With a team of 170+ across 26 states and 7 countries, we're backed by investors like Bessemer and Index, and we foster a culture of innovation and flexibility.
Define and own Engine's risk tolerance framework, including delinquency rate guardrails, fraud rate targets, and escalation thresholds.
Establish second-line governance and stand up the Risk Committee to keep leadership informed.
Partner with Product, Engineering, Sales, and Legal to embed risk standards into the product and enable growth.
Engine is the AI-native platform for intelligent travel, building the technology and supply behind modern business travel. Serving over 38,000 customers and nearly 2 million travelers, Engine is recognized as a best workplace for innovators.
Execute operational risk and fraud review workflows across financial products, including identity verification and account risk handling.
Perform manual investigations into suspicious behavior, application fraud, and account misuse.
Monitor fraud, KYC, and operational dashboards to identify trends and emerging threats.
Super.com is a fintech company that helps maximize lives by offering financial products and travel services. It is a fast-paced, high-growth tech company that values career progression and employee well-being.
Collect, review, and analyze applicants' financial information including bank statements, credit reports, and business financial statements.
Directly communicate with clients and sales teams about application status and additional document requirements.
Make underwriting decisions to approve, decline, or seek exceptions based on policy guidelines and risk assessment.
Motive empowers the people who run physical operations with tools to make their work safer, more productive, and more profitable. The company serves nearly 100,000 customers across various industries and fosters a diverse and inclusive workplace.
Develop reports and analysis on various loan portfolios for concentration analysis and portfolio performance.
Provide support to routine and ad-hoc credit administration deliverables and analytical insights.
Collaborate with leadership to enable efficient data capture, reporting, and forecasting processes.
Pathward is a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. They are a team of problem solvers and innovators who celebrate differences and embrace the voices of employees, customers, partners, and communities.
Drive pricing strategy for savings products, optimizing volume and margin trade-offs through data analysis and modeling.
Monitor portfolio performance and deposit movements, diagnosing drivers to meet commercial targets.
Collaborate cross-functionally with Finance, Treasury, and Product teams to develop insights and actionable pricing decisions.
Monzo is on a mission to make money work for everyone by replacing traditional banking with simple, digital solutions. With over 10 years in the UK and a growing product line including personal and business accounts, savings, investments, and pensions, Monzo is a dynamic fintech with a focus on customer service and financial education.
Own the lending P&L, including revenue, cost of funds, credit losses, and operating costs.
Set commercial and credit strategy, determining who to lend to, on what terms, and at what price.
Build and lead the commercial lending team, and drive distribution through direct and partner channels.
Moniepoint is Africa's leading business payments and banking platform, providing payments, banking, credit, and business management tools. Having built Nigeria's most reliable business banking infrastructure, they are now expanding into Kenya, with a mission to drive financial inclusion across the continent.
Delivering assurance reviews across key fraud regulations, processes, and controls to manage risks effectively.
Providing clear, actionable feedback that strengthens the control environment and supports fair customer outcomes.
Producing high-quality, data-led reports and recommendations for stakeholders across the business.
Monzo is a digital bank on a mission to make money work for everyone, offering personal and business accounts, savings, investments, and more. It has a strong customer focus and a culture of innovation and inclusion, with a long history of creating magical customer experiences.
Build and own daily liquidity reporting and data pipelines for accurate firm liquidity positions.
Develop intraday and longer-term stress testing, including Monte Carlo simulations and alerting frameworks.
Partner cross-functionally to support liquidity risk governance and regulatory compliance.
Alpaca is a US-headquartered global leader in agent-first brokerage infrastructure for stocks, ETFs, options, crypto, and more. We are a diverse team of 400+ globally distributed members backed by $400 million in funding.
Lead research across Core Banking and shape a coherent Personal Banking research strategy.
Partner with senior stakeholders to connect customer insights and influence strategic decisions.
Manage a team of 6-8 researchers and coach research leaders to maintain a high quality bar.
Monzo is a digital bank on a mission to make everyday money magical for everyone, offering current accounts, budgeting, and paid subscriptions. The company is customer-centric, with a culture that supports distributed working across the UK.
Develop statistical and predictive models for credit-risk indicators, including delinquency and credit losses.
Perform exploratory data analysis and model versioning, backtesting, and performance monitoring.
Collaborate with business and technology stakeholders to translate complex problems into analytical solutions.
The company operates at the intersection of data science, financial analytics, and credit risk management. It fosters a culture of continuous improvement, rigorous analysis, collaboration, and innovation.
Lead Risk Operations transformation programs from problem definition through launch and measurement.
Prioritize AI and automation opportunities by volume, complexity, impact, and risk, partnering with Product and Engineering.
Establish performance metrics and drive improvements in quality, SLA attainment, and cost per case.
Tilt uses machine learning and real-time financial signals to provide credit beyond traditional scores to millions worldwide. It is a remote-first company with a global team, emphasizing impact, excellence, and mutual respect.
Own end-to-end delivery of technology programs for credit and lending products.
Manage integrated program plans across engineering, product, risk, compliance, treasury, and operations.
Drive incident learnings back into design, test coverage, and runbooks.
Mercury is a fintech company building a digital bank for ambitious businesses. It fosters a diverse and collaborative culture, focusing on innovation and operational excellence.
Coordinate day-to-day operational resilience activities, including identifying Important Business Services and mapping dependencies across people, processes, technology, and third parties.
Monitor impact tolerances, collect metrics, and flag potential breaches to stakeholders, while supporting scenario tests for severe but plausible disruptions.
Support ICAAP inputs, business continuity planning, and governance committees with data-driven resilience updates.
Monzo is a UK digital bank on a mission to make money work for everyone, offering personal and business accounts, savings, investments, and pensions. The company is known for its award-winning customer service and inclusive culture, with a focus on creating magical moments for customers.
Lead the Credit Risk Engineering team, setting technical direction and mentoring engineers.
Design, build, and operate backend services and APIs that integrate risk capabilities into Kiwi's lending products.
Partner with Credit Risk and Data Science to improve MLOps practices and the reliability of credit decision flows.
Kiwi Financial is a financial technology company that builds lending products with integrated credit risk capabilities. The company fosters a collaborative, multidisciplinary engineering culture with high technical ownership and an AI-forward environment.