Risk Analyst

Credit & Fraud Risk AnalystWe'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 OwnTransaction monitoring and fraud investigations across the charge card programCredit risk analysis, underwriting support, and portfolio performance monitoringRisk analytics and reporting tied to approval rates, utilization, losses, and fraud trendsOperational workflows and automations across Credit, Fraud, BSA/AML, and servicingRisk tooling, dashboards, and data-driven decision infrastructureCross-functional coordination across engineering, compliance, legal, support, and operations teamsBuilding scalable systems for a rapidly growing fintech platformWhat You'll DoMonitor and investigate transaction activity to identify fraud patterns, suspicious behavior, and emerging risk vectorsAnalyze portfolio performance including approval rates, loss rates, NSF returns, and utilization trendsBuild analytics initiatives to support underwriting optimization and portfolio management strategiesDevelop operational automations that streamline workflows across risk and compliance functionsWork closely with engineering, legal, support, and compliance teams to operationalize risk requirementsCommunicate directly with customers while balancing customer experience and risk management objectivesIdentify operational bottlenecks and improve internal processes through automation and data analysisHelp shape how the risk organization scales as the business growsOperate effectively in an environment with constant change, evolving priorities, and imperfect informationWho You Are2+ years of experience across risk, credit, fraud, underwriting, trust & safety, or operational analytics functionsExperience working in fast-paced startup, fintech, payments, banking, or high-growth environmentsStrong analytical mindset with the ability to make decisions using incomplete informationComfortable working directly with transaction data, portfolio analytics, and operational workflowsStrong attention to detail with a high level of operational ownershipCustomer-oriented and thoughtful about balancing friction with risk mitigationHighly organized, resourceful, and execution-orientedComfortable working cross-functionally with technical and non-technical teamsStrongly PreferredExperience with credit card, charge card, or payments productsExposure to underwriting, fraud prevention, transaction monitoring, or portfolio risk managementFamiliarity with MCC codes, merchant risk, or payments infrastructureStrong SQL skills and comfort analyzing transaction-level dataExperience building automations or operational toolingStartup or early-stage fintech experienceWhy This RoleThis 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.