Data Analyst

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.

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

Why Cardless

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.

Benefits

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

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.