Cardless
Data Analyst
2mo ago
USASeniordata analysisdashboardingreportingmonitoring tools
Analyze and interpret data to support and improve the company's co-branded credit card platform through insights and process optimization.
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
Requirements
- 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
Nice to have
- Experience building or deploying internal AI tools, automations, or agents to improve productivity or business operations
- Familiarity with financial systems, reconciliation workflows, or data integrity challenges
- Experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics
Conditions
- We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. We're proud to offer our team excellent 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
Other
- Cardless is looking for a Data Analyst / Senior Data Analyst to join our team and help shape the insights, processes, and decisions behind our co-branded credit card platform. In this role, you’ll work across domains including applications, accounts, transactions, fraud, risk, rewards, and partner operations to support high-impact initiatives and ensure the reliability, accuracy, and efficiency of our core systems and business workflows.
- As an analyst at Cardless, you’ll dive deep into data, identify opportunities, streamline operational processes, and collaborate closely with cross-functional teams to deliver insights and durable improvements to our platform.
- You’ll join a collaborative, fast-moving team that values craftsmanship, curiosity, and impact. We’re building products that enable leading brands to offer credit in new ways — and we’re just getting started.
- This role has an annual starting salary range of $130,000-$200,000 + equity + benefits (see above). Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.
- We're headquartered in San Francisco, CA, with a beautiful office in Jackson Square. We welcome employees who want to work from this office; we offer additional benefits to those who do, and relocation assistance to those who'd like to.
- We regularly bring our team together for offsites & trips, about every 2 months, both for fun and for work. We cover all travel & lodging in these cases.