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Data Analyst

Cardless· Data
Apply on company site
San Francisco$130k - $200kFull-timePosted 5mo ago

About the role

Data Analyst / Senior Data Analyst role at Cardless focused on shaping insights, processes, and decisions behind the co-branded credit card platform across domains such as applications, accounts, transactions, fraud, risk, rewards, and partner operations.

Responsibilities

  • Analyze operational, product, and financial data to identify trends, diagnose issues, and surface actionable insights
  • Build dashboards, reporting frameworks, and monitoring tools that improve visibility into system and business performance
  • Partner with product managers, engineers, and risk/compliance teams to support the design of new features, workflows, and policies
  • Evaluate and optimize business processes across the customer lifecycle (applications, onboarding, transactions, servicing, fraud, and rewards)
  • Perform deep-dive investigations into anomalies, system issues, or partner escalations; help determine root causes and drive remediation
  • Support forecasting, business reviews, and strategic planning with clear, data-driven analysis
  • Contribute to improving data quality, documentation, and analytical rigor across the organization
  • For senior candidates: provide guidance to teammates, lead medium-sized cross-functional projects, and influence strategic decisions

Qualifications

  • 3–7 years of experience in an analytical, operations, strategy, or data-focused role
  • Strong proficiency with data analysis tools (SQL, Excel/Sheets, Python)
  • Experience using AI tools in a professional setting (e.g., for workflows, analysis, automation, or insight generation)
  • Demonstrated ability to integrate AI into day-to-day work (prompt design, model evaluation, data prep, or workflow optimization)
  • Experience working with large datasets and building reliable reporting/dashboarding (Looker, Tableau, Omni, Mode, or similar)
  • Solid understanding of business processes, KPIs, and analytical frameworks; able to independently break down ambiguous problems
  • Excellent communication skills — able to translate complex analysis into clear insights for technical and non-technical partners
  • Track record of collaborating effectively with product, engineering, or operations teams
  • Ability to manage multiple priorities, take ownership, and drive projects end-to-end
  • Curiosity, attention to detail, and a passion for building well-structured analytical systems and business processes
  • Bonus: experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics

Skills

Required:SQLExcel/SheetsPythonLooker/Tableau/Omni/ModeData storytelling / communication

Benefits

  • Meaningful Start-up equity
  • 100% health, vision & dental primary coverage
  • 75% health, vision & dental dependent coverage
  • Catered lunches
  • $250/month Commuter benefit
  • Parental leave
  • Team building events & happy hours
  • Flexible PTO with a minimum of 15 days off per year
  • Apple equipment
  • 401k plan
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Cardless

Build credit into your product experience.

Build credit into your product experience. Run it end to end with modular APIs, pre-built components, analytics, and full-service infrastructure.

Credit card platformAPIEmbedded finance
Company profileWebsite

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