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Location: Los Angeles, United States; California City, United States About LBC Mortgage LBC Mortgage is a Los Angeles–based mortgage company with over 20 years of industry experience . Alongside our traditional mortgage business, we operate a fast-growing Private Money / Hard Money Lending Division , focused on funding real estate investment loans with speed, accuracy, and strong risk management. We are looking for a skilled Hard Money Underwriter who understands private lending, can underwrite deals quickly, and make confident decisions that protect the company while keeping production moving. Responsibilities Underwrite Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR, Cash-Out, Ground-Up, etc.) Review loan files and borrower documentation (credit, assets, entity docs, income where applicable) Analyze property details, exit strategies, deal structure, and overall risk Calculate and validate LTV, ARV, LTC , rehab budgets, and timelines Review appraisals, comps, and market data to confirm property value and feasibility Issue approvals and conditions, ensuring fast and clear communication with the team Work closely with Loan Officers, Processors, and Management to move loans efficiently Identify red flags early and provide clear recommendations Ensure adherence to internal guidelines and lending policies Requirements 2+ years of underwriting experience in Hard Money / Private Lending (required) Strong understanding of Fix & Flip and Bridge loan underwriting Ability to evaluate ARV-based deals , rehab scopes, and budgets Strong knowledge of appraisals, title reports, insurance, and entity structures Strong attention to detail and ability to work in a high-volume, fast-paced environment Excellent communication skills and ability to make confident decisions Preferred Qualifications Experience underwriting DSCR and rental investment loans Experience with Ground-Up Construction loans Familiarity with Encompass or other mortgage/loan CRM systems Strong knowledge of investor real estate lending across multiple states Why Join LBC Mortgage Established company with strong leadership and long-term stability Growing private lending division with strong pipeline Opportunity for career growth into Senior Underwriter / Underwriting Manager role Competitive compensation based on experience Remote flexibility and supportive team environment

Location: Los Angeles, United States; California City, United States About LBC Mortgage At LBC Mortgage, we are committed to delivering exceptional lending solutions and personalized service to our clients. As we continue to grow, we are looking for an experienced and detail-oriented Commercial Mortgage Underwriter to join our team. Position Overview The Commercial Mortgage Underwriter will be responsible for analyzing and evaluating commercial loan applications, assessing financial risk, and ensuring compliance with company and investor guidelines. The ideal candidate has strong experience in commercial lending, excellent analytical skills, and the ability to work efficiently in a fast-paced environment. Responsibilities Review and analyze commercial mortgage loan applications and supporting documentation Assess borrower creditworthiness, financial statements, tax returns, cash flow, and collateral Perform risk analysis and make sound underwriting decisions Ensure loans meet internal policies, investor requirements, and regulatory guidelines Work closely with loan officers, processors, and management throughout the loan process Prepare clear and detailed underwriting summaries and recommendations Identify potential risks and propose mitigating solutions Maintain strong communication with all parties involved in the transaction Qualifications Minimum 2+ years of commercial underwriting experience Strong understanding of commercial real estate lending and underwriting guidelines Ability to analyze complex financial documents and credit profiles Excellent attention to detail and organizational skills Strong communication and problem-solving abilities Ability to manage multiple files and deadlines simultaneously Experience with residential mortgage underwriting is a plus What We Offer Competitive compensation Career growth opportunities Supportive and professional work environment Opportunity to work with a growing and dynamic team If you are a motivated professional with commercial underwriting experience and a passion for the mortgage industry, we would love to hear from you.

Location: Los Angeles, United States; California City, United States; Orange, United States About LBC Mortgage LBC Mortgage is a Los Angeles–based mortgage company with over 20 years of industry experience . Our Private Lending Division is rapidly growing and focused on funding real estate investor loans nationwide, including Fix & Flip, Bridge, DSCR, and Ground-Up Construction. We are looking for an experienced Senior Hard Money Underwriter who can independently underwrite complex deals, support junior underwriters, and ensure strong credit and collateral decisions while keeping the pipeline moving quickly. Key Responsibilities Independently underwrite and approve Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR, Ground-Up, Cash-Out, etc.) Review full loan packages including borrower profile, entity structure, credit, liquidity, and exit strategy Analyze collateral, appraisals, comps, market conditions, rehab budgets, and timelines Calculate and validate LTV, ARV, LTC , and deal profitability Identify risk factors early and provide clear recommendations to leadership Issue approvals, conditions, and exceptions in line with company guidelines Collaborate with Loan Officers, Processors, and Closing teams to ensure fast turn times Assist in training, mentoring, and supporting junior underwriters Participate in improving underwriting processes, policies, and efficiency Ensure loan files meet internal requirements and compliance standards Requirements 4+ years of Hard Money / Private Money underwriting experience (required) Strong expertise in ARV underwriting , rehab budgets, and investor deal analysis Proven experience underwriting Fix & Flip and Bridge loans at volume Strong knowledge of appraisals, title, insurance, entity documentation, and real estate investor structures Ability to work independently and make confident credit decisions Strong communication skills with internal teams, brokers, and borrowers Highly organized with strong attention to detail and deadline management Preferred Qualifications Experience underwriting Ground-Up Construction loans Experience underwriting DSCR / rental portfolio loans Background in mortgage underwriting is a plus Familiarity with Encompass, Calyx, or other loan origination systems Why Join LBC Mortgage Stable company with 20+ years in the lending industry Rapidly growing Private Lending Division with strong deal flow Competitive compensation based on experience Remote flexibility Opportunity to grow into Underwriting Manager / Credit Lead role High-impact position with direct influence on loan quality and performance

Location: Los Angeles, United States; California City, United States; Orange, United States About LBC Mortgage LBC Mortgage is a Los Angeles–based mortgage company with over 20 years of industry experience . Alongside our traditional mortgage business, we operate a fast-growing Private Money / Hard Money Lending Division , focused on funding real estate investment loans with speed, accuracy, and strong risk management. We are looking for a skilled Hard Money Underwriter who understands private lending, can underwrite deals quickly, and make confident decisions that protect the company while keeping production moving. Responsibilities Underwrite Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR, Cash-Out, Ground-Up, etc.) Review loan files and borrower documentation (credit, assets, entity docs, income where applicable) Analyze property details, exit strategies, deal structure, and overall risk Calculate and validate LTV, ARV, LTC , rehab budgets, and timelines Review appraisals, comps, and market data to confirm property value and feasibility Issue approvals and conditions, ensuring fast and clear communication with the team Work closely with Loan Officers, Processors, and Management to move loans efficiently Identify red flags early and provide clear recommendations Ensure adherence to internal guidelines and lending policies Requirements 2+ years of underwriting experience in Hard Money / Private Lending (required) Strong understanding of Fix & Flip and Bridge loan underwriting Ability to evaluate ARV-based deals , rehab scopes, and budgets Strong knowledge of appraisals, title reports, insurance, and entity structures Strong attention to detail and ability to work in a high-volume, fast-paced environment Excellent communication skills and ability to make confident decisions Preferred Qualifications Experience underwriting DSCR and rental investment loans Experience with Ground-Up Construction loans Familiarity with Encompass or other mortgage/loan CRM systems Strong knowledge of investor real estate lending across multiple states Why Join LBC Mortgage Established company with strong leadership and long-term stability Growing private lending division with strong pipeline Opportunity for career growth into Senior Underwriter / Underwriting Manager role Competitive compensation based on experience Remote flexibility and supportive team environment

Location: Mexico Location: Remote (must overlap with Pacific/Mountain Time) Industry: Real Estate Investment & Development Schedule: Full‑time Start Date: Immediate About the Role We’re seeking a detail‑oriented Senior Analyst to lead underwriting, financial modeling, and investment analysis for acquisition and development projects. You’ll work closely with the Founder to source deals, build multi‑scenario models, and support capital‑raising initiatives. Job Description Key Responsibilities Acquisition Underwriting : Develop and maintain detailed financial models (multi‑scenario, dynamic, investor‑facing); underwrite acquisition, renovation, lease‑up, and disposition strategies; run DSCR, IRR, equity multiple, sensitivity, and breakeven analyses. Market Research & Comps : Research submarket trends, comparable rents/sales, demographics, and policy factors; synthesize findings into memos and deal packages. Due Diligence & Transaction Support : Assist with LOIs, PSAs, and closings through underwriting, document review, and data analysis; coordinate with brokers, lenders, attorneys, and consultants; review environmental, title, and zoning reports. Capital Raising Support : Help prepare pitch decks, data rooms, and investor memos; respond to investor queries on underwriting assumptions; maintain databases of historical and pipeline deal metrics. Requirements 5–7+ years in real estate finance (development, acquisitions, underwriting, or private equity) Advanced financial modeling skills in Excel or Google Sheets Proven track record underwriting value‑add, adaptive reuse, or infill housing projects Deep understanding of capital stacks, waterfalls, IRR modeling, and debt scenarios Ability to interpret deal docs, leases, zoning reports, and lender term sheets Strong written and verbal communication Comfortable in an entrepreneurial, fast‑paced environment Alignment with mission‑driven, affordable‑housing development Benefits Performance‑based bonuses tied to deals closed or capital raised Potential equity participation in promote structures or co‑investment Fully remote with required Pacific/Mountain Time overlap Direct mentorship from Founder and leadership exposure

Location: Colombia Location: Remote (must overlap with Pacific/Mountain Time) Industry: Real Estate Investment & Development Schedule: Full‑time Start Date: Immediate About the Role We’re seeking a detail‑oriented Senior Analyst to lead underwriting, financial modeling, and investment analysis for acquisition and development projects. You’ll work closely with the Founder to source deals, build multi‑scenario models, and support capital‑raising initiatives. Job Description Key Responsibilities Acquisition Underwriting : Develop and maintain detailed financial models (multi‑scenario, dynamic, investor‑facing); underwrite acquisition, renovation, lease‑up, and disposition strategies; run DSCR, IRR, equity multiple, sensitivity, and breakeven analyses. Market Research & Comps : Research submarket trends, comparable rents/sales, demographics, and policy factors; synthesize findings into memos and deal packages. Due Diligence & Transaction Support : Assist with LOIs, PSAs, and closings through underwriting, document review, and data analysis; coordinate with brokers, lenders, attorneys, and consultants; review environmental, title, and zoning reports. Capital Raising Support : Help prepare pitch decks, data rooms, and investor memos; respond to investor queries on underwriting assumptions; maintain databases of historical and pipeline deal metrics. Requirements 5–7+ years in real estate finance (development, acquisitions, underwriting, or private equity) Advanced financial modeling skills in Excel or Google Sheets Proven track record underwriting value‑add, adaptive reuse, or infill housing projects Deep understanding of capital stacks, waterfalls, IRR modeling, and debt scenarios Ability to interpret deal docs, leases, zoning reports, and lender term sheets Strong written and verbal communication Comfortable in an entrepreneurial, fast‑paced environment Alignment with mission‑driven, affordable‑housing development Benefits Performance‑based bonuses tied to deals closed or capital raised Potential equity participation in promote structures or co‑investment Fully remote with required Pacific/Mountain Time overlap Direct mentorship from Founder and leadership exposure

Location: Brazil Location: Remote (must overlap with Pacific/Mountain Time) Industry: Real Estate Investment & Development Schedule: Full‑time Start Date: Immediate About the Role We’re seeking a detail‑oriented Senior Analyst to lead underwriting, financial modeling, and investment analysis for acquisition and development projects. You’ll work closely with the Founder to source deals, build multi‑scenario models, and support capital‑raising initiatives. Job Description Key Responsibilities Acquisition Underwriting : Develop and maintain detailed financial models (multi‑scenario, dynamic, investor‑facing); underwrite acquisition, renovation, lease‑up, and disposition strategies; run DSCR, IRR, equity multiple, sensitivity, and breakeven analyses. Market Research & Comps : Research submarket trends, comparable rents/sales, demographics, and policy factors; synthesize findings into memos and deal packages. Due Diligence & Transaction Support : Assist with LOIs, PSAs, and closings through underwriting, document review, and data analysis; coordinate with brokers, lenders, attorneys, and consultants; review environmental, title, and zoning reports. Capital Raising Support : Help prepare pitch decks, data rooms, and investor memos; respond to investor queries on underwriting assumptions; maintain databases of historical and pipeline deal metrics. Requirements 5–7+ years in real estate finance (development, acquisitions, underwriting, or private equity) Advanced financial modeling skills in Excel or Google Sheets Proven track record underwriting value‑add, adaptive reuse, or infill housing projects Deep understanding of capital stacks, waterfalls, IRR modeling, and debt scenarios Ability to interpret deal docs, leases, zoning reports, and lender term sheets Strong written and verbal communication Comfortable in an entrepreneurial, fast‑paced environment Alignment with mission‑driven, affordable‑housing development Benefits Performance‑based bonuses tied to deals closed or capital raised Potential equity participation in promote structures or co‑investment Fully remote with required Pacific/Mountain Time overlap Direct mentorship from Founder and leadership exposure

Location: Argentina Location: Remote (must overlap with Pacific/Mountain Time) Industry: Real Estate Investment & Development Schedule: Full‑time Start Date: Immediate About the Role We’re seeking a detail‑oriented Senior Analyst to lead underwriting, financial modeling, and investment analysis for acquisition and development projects. You’ll work closely with the Founder to source deals, build multi‑scenario models, and support capital‑raising initiatives. Job Description Key Responsibilities Acquisition Underwriting : Develop and maintain detailed financial models (multi‑scenario, dynamic, investor‑facing); underwrite acquisition, renovation, lease‑up, and disposition strategies; run DSCR, IRR, equity multiple, sensitivity, and breakeven analyses. Market Research & Comps : Research submarket trends, comparable rents/sales, demographics, and policy factors; synthesize findings into memos and deal packages. Due Diligence & Transaction Support : Assist with LOIs, PSAs, and closings through underwriting, document review, and data analysis; coordinate with brokers, lenders, attorneys, and consultants; review environmental, title, and zoning reports. Capital Raising Support : Help prepare pitch decks, data rooms, and investor memos; respond to investor queries on underwriting assumptions; maintain databases of historical and pipeline deal metrics. Requirements 5–7+ years in real estate finance (development, acquisitions, underwriting, or private equity) Advanced financial modeling skills in Excel or Google Sheets Proven track record underwriting value‑add, adaptive reuse, or infill housing projects Deep understanding of capital stacks, waterfalls, IRR modeling, and debt scenarios Ability to interpret deal docs, leases, zoning reports, and lender term sheets Strong written and verbal communication Comfortable in an entrepreneurial, fast‑paced environment Alignment with mission‑driven, affordable‑housing development Benefits Performance‑based bonuses tied to deals closed or capital raised Potential equity participation in promote structures or co‑investment Fully remote with required Pacific/Mountain Time overlap Direct mentorship from Founder and leadership exposure

Location: Lagos, Nigeria -          Evaluate SME and corporate loan applications by analyzing financial statements, cash flow, business models, and creditworthiness -          Identify and assess key risks (financial, industry, management, collateral) and recommend appropriate mitigants. -          Structure credit facilities in line with the borrower's needs and the bank’s risk appetite, including terms, pricing, and security requirements -          Draft detailed credit proposals or memos with clear justifications, risk analysis, and recommendations for approval. -          Liaise with relationship managers, legal, and risk teams to coordinate customer due diligence, site visits, and validation of submitted documents. -          Monitor assigned portfolio performance, ensure covenant compliance, and flag early warning signs or deterioration in credit quality. -          Ensure all credit evaluations and decisions adhere to internal policies, regulatory guidelines, and credit approval frameworks. -          Assess adequacy and enforceability of collateral, and work with legal to ensure proper documentation and perfection. -          Collaborate with Relationship Managers, Credit Committee, and other internal stakeholders to drive timely and sound credit decisions Requirements -          Proven experience in SME underwriting and credit risk assessment, with at least [3] years of experience in SME/Corporate credit analysis. -          Commercial banking experience as a credit analyst would be a plus -          Strong analytical skills with the ability to interpret financial statements, assess creditworthiness, and make data-driven lending decisions. -          In-depth knowledge of lending regulations, risk management principles, and best practices in underwriting. -          Excellent interpersonal skills, effective communication skills, both verbal and written, with the ability to articulate complex financial concepts to non-financial stakeholders. -          A strategic mindset with a keen focus on portfolio performance and risk management. Benefits You’ll receive competitive compensation and work with amazing people. You’ll work in a beautiful environment with a flat structure and solve complex, real-world challenges. We are the place for you, if You’re excited about technology and the future, and you’re looking for a place to learn and grow. You care a lot about detail and pride yourself in impeccable execution. You are adept at identifying, assessing, mitigating, monitoring and reporting risks, and ensuring controls are working effectively. You are ready to work extremely hard, at a fast pace, to achieve audacious goals. You love to speak up, ask questions and are comfortable challenging anyone or any idea.

Location: Kuwait City, Kuwait Workplace: onsite About Tabby: Tabby is the GCC's leading shopping and payments platform, giving millions of people across Saudi Arabia and the UAE more control in the way they spend, save and earn. Headquartered in Riyadh, we've grown into one of the largest fintech companies to come out of the Arab world, working with +65,000 sellers, from global names like Apple, IKEA, Adidas and Shein to the region's leading retail groups. We're now building a local team on the ground in Kuwait, with a renewed presence in the market coming soon. This is a rare chance to join us at the start of a local launch, shaping how we show up for Kuwaiti shoppers and sellers from day one, backed by the scale, technology and track record we've built across the region. If you want to help us build something significant in Kuwait, backed by proven regional success, we want to hear from you. About the role: We are looking for a hands-on Senior Risk Manager to help build Tabby’s risk capabilities in Kuwait, with combined responsibility for enterprise and credit risk. As one of our first local hires, you will establish the governance, policies, risk appetite and reporting required for launch, while providing credit risk oversight as the portfolio grows. You will work closely with Kuwait leadership and Group Risk, as well as Product, Compliance, Finance and Operations, to ensure we scale responsibly and meet local regulatory expectations. Key Responsibilities Building and maintaining Tabby’s local risk management framework for Kuwait, covering enterprise and credit risk and aligning it with Group standards and applicable regulatory requirements. Developing the local risk strategy, risk appetite statement, policies, limits, governance forums and management reporting required for launch and ongoing operations by aligning with Group standard and adapted to local requirements Owning the enterprise risk process, including risk identification and assessment, the risk register, key risk indicators, emerging-risk reviews, residual risk positions and remediation tracking. Providing independent risk challenges on new products, partnerships, customer journeys, operating models and other material business initiatives. Leading local credit risk oversight across the customer lifecycle, including underwriting and eligibility rules, credit limits, affordability, collections outcomes and portfolio quality, focusing on local regulatory requirements. Partnering with Group Risk and Product teams to calibrate credit strategies for Kuwait and assess model, policy and limit changes. Establishing clear early-warning indicators, thresholds and reporting to support timely, data-informed risk decisions. Preparing risk assessments, reporting and recommendations for local leadership, risk committees, the Board and regulators, as applicable. Supporting licensing activities, regulatory submissions, examinations and information requests in partnership with Compliance, Legal and other control functions as well as acting as primary risk contact for Internal Audit Coordinating risk input into business continuity, outsourcing and third-party risk, operational incidents and control assessments. Promoting a practical risk culture and helping teams understand how risks should be identified, assessed, escalated and managed as well as ensuring material risks and control gaps are escalated and addressed at the right level. Helping shape the future Kuwait risk organisation and supporting hiring as the business scales. You should apply if You have strong risk management experience within banking, fintech, consumer lending, payments or another regulated financial-services environment. You bring meaningful hands-on experience across both enterprise risk and credit risk, rather than exposure limited to governance or oversight. You have built or materially improved risk frameworks, policies, risk appetite, governance structures, reporting and control processes. You understand consumer credit risk across underwriting, credit policy, portfolio monitoring, collections performance and loss drivers.. You understand enterprise risk disciplines including risk and control assessments, KRIs, incident and issue management, operational resilience, third-party risk and emerging risks. You understand the Kuwait regulatory environment; experience engaging with the Central Bank of Kuwait or another GCC financial-services regulator. You can operate independently in a new-market environment and are comfortable building the essentials yourself before a wider team is in place. You can balance strong governance with practical, proportionate execution and constructively challenge senior stakeholders when required. You communicate complex risk topics clearly and can prepare decision-ready materials for leadership, governance forums and regulators. You work effectively across Product, Data, Operations, Compliance, Finance, Legal and Internal Audit. You hold a bachelor’s degree in Finance, Economics, Risk Management, Business, Mathematics or a related field; FRM, PRM, CFA or a comparable qualification is an advantage. You are professionally fluent in English; Arabic is an advantage

Location: Riyadh, KSA Workplace: onsite BNPL businesses don't run on a single core system — they run on a chain of vendors: KYC providers doing identity checks in milliseconds, bureau data feeding underwriting decisions, processors moving money at checkout, and collections agencies chasing missed payments on our behalf. When any link in that chain fails, it isn't an internal inconvenience — it's a customer who can't check out, a credit decision made on bad data, or a regulator asking why a critical service went down with no warning. As Vendor Risk Manager, you will own our third-party risk program end to end, from the first due diligence questionnaire to the day a vendor is offboarded. You will be the person who can tell leadership, in plain terms, which vendors carry the most risk and why, and you will make sure vendor failures never become customer failures. Key Responsibilities Due Diligence & Onboarding Run due diligence on new vendors before contracts are signed, including financial health checks, SOC 2 / ISO 27001 review, breach history, and subprocessor mapping. Issue a clear risk rating for every prospective vendor, with conditions attached rather than a simple pass or fail, covering KYC, identity verification, fraud detection, credit bureau, payment processing, card issuing, banking, and collections partners. Sit inside the contracting process with Legal and Procurement to secure the terms that matter: audit rights, breach notification windows, data localization commitments, exit assistance clauses, and SLAs tied to real penalties. Risk Assessment & Ongoing Monitoring Own vendor risk assessments across our active third-party portfolio, prioritizing critical and high-risk vendors for annual deep-dive reviews. Build and run tiered monitoring cadences — quarterly for critical vendors such as KYC, payment processing, and banking partners, annual for the rest — tracking control drift, subprocessor changes, and adverse media. Maintain the concentration risk and critical-vendor register, and be ready to explain single points of failure, such as one bureau covering the majority of underwriting volume, and what the contingency plan actually is. Cross-Functional Partnership Work with Product before new vendor integrations go live — you're in the room when a new checkout partner or fraud model vendor is being evaluated, not brought in after the contract is signed. • Prepare vendor risk reporting for the Risk Committee and Board, translating control gaps and incident trends into decisions leadership can act on. Offboarding & Exit Management Manage the offboarding process for exited vendors, confirming data deletion, access revocation, and transition continuity for anything customer-facing. Ensure regulatory and contractual exit obligations are met and documented, particularly for vendors classified as critical or important. Skills, Knowledge & Expertise 3–4 years in third-party risk management, vendor risk, or operational risk, ideally at a payments company, lender, bank, or fintech where vendor failure has direct customer or regulatory consequences. Working knowledge of NIST CSF, ISO 27001, SOC 2, and standardized assessment tools like SIG or CAIQ — you know how to read a SOC 2 report and spot what's missing, not just file it away. Familiarity with the regulatory landscape vendors sit inside: consumer credit rules, data privacy obligations (GDPR/CCPA depending on footprint), PCI-DSS for anything touching card data, and outsourcing/operational resilience expectations for critical third parties. Comfort negotiating directly with vendors — you've pushed back on a processor's standard MSA, gotten a fraud vendor to commit to a real SLA, and know when “our legal team will follow up” means the deal needs to walk. Ability to translate risk findings for people who don't think in risk terms, including explaining to a commercial lead why a cheaper KYC vendor isn't worth the onboarding delay it will cause six months later. Strong analytical skills with the ability to interpret vendor performance and control data to support operational decisions. Excellent communication and interpersonal skills, with the ability to interact effectively across all levels of the organization. Full professional proficiency in English required; Arabic is a plus. Nice to have: Direct BNPL or consumer credit experience — you've worked with bureau data, alternative credit scoring vendors, or collections agencies specifically. Hands-on experience with a GRC platform such as OneTrust, ProcessUnity, or Archer for assessment workflows and vendor inventory. CTPRP, CRISC, CISA, or CISM certification.

Location: New York, NY (HQ); San Francisco, CA Workplace: Hybrid ABOUT RAMP Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. ABOUT THE ROLE Ramp is looking for ambitious generalists who want to turn difficult customer and business problems into better products and better ways of working. In Product Operations, you will own a problem space from investigation through execution and measurement. You might uncover why customers abandon a workflow, build an AI tool that removes hours of manual work, or help a product team bring a new capability to customers. You will work closely with Product, Engineering, Design, Data, and customer-facing teams, combining analytical rigor with the willingness to do the work yourself. This role is designed for people who want substantial responsibility. You will build customer understanding, product judgment, technical fluency, and the ability to lead across teams. Strong performance can create opportunities for broader ownership in Product Operations, Product Management, Business Operations, or AI Operations, depending on your strengths and Ramp’s needs. Growth comes from sustained impact, demonstrated readiness, and available opportunities. *Please note that this Product Operations role will require you to be comfortable with working in-person at our NYC HQ (located near Madison Square Park) at least 2 days/week* WHAT YOU’LL DO - Ramp moves incredibly fast, and our specific Product Operations needs change regularly. Each Product Operations team member is assigned to a specific product, such as Bill Pay, Procurement, or Travel. Ramp moves incredibly fast, and our specific Product Operations needs change regularly. During the hiring process, we will discuss which product areas are hiring priorities and where you could make the greatest impact. - Own customer and operational outcomes. Take responsibility for a defined problem, establish a baseline, and follow through until the experience improves. - Find the underlying problem. Combine customer conversations, operational observations, and data to distinguish recurring causes from isolated symptoms. - Make clear recommendations. Use your product sense and business acumen to size opportunities, compare tradeoffs, and help product partners decide where a process change, automation, or product investment will have the greatest effect. - Build and improve workflows. Create practical tools and automations, including AI-assisted solutions, that reduce repetitive work and improve reliability. Validate outputs and measure whether people actually benefit. - Bring changes into use with empathy. Own operational readiness, internal enablement, feedback collection, and follow-through after a launch or workflow change. - Lead across teams. Define metrics, establish owners, resolve dependencies, communicate decisions, and keep important work moving when the path is unclear. WHAT YOU BRING - 2-6 years experience in banking, private equity, consulting, or in product management or business operations roles at a demanding startup. Level and compensation will be determined based on experience and qualifications. - A record of taking personal ownership and delivering outcomes beyond the initial analysis or recommendation. - Strong quantitative reasoning: you can work with messy data, check assumptions, and translate findings into a decision. - Customer curiosity and practical judgment about which problems matter most and how to solve them. Willingness and instincts to go talk to a customer when something is unclear. Ability to prioritize well and work on the most important problems. - Strong communication skills and the ability to earn trust for your arguments across technical and business teams. - Resourcefulness, receptiveness to feedback, and evidence that you learn unfamiliar subjects quickly. - Experience using AI tools to build something or improve a workflow, with a thoughtful approach to checking quality. NICE-TO-HAVES - Experience building internal tools, using APIs or low-code platforms, - Working with financial products, shipping software with AI assistance, - Owning a launch can help you get started. - We value the difficulty of the problems you have solved and the results you can explain. ABOUT SOME OF OUR TEAMS: - Spend Management owns our core spend product, including card issuance, reimbursements, and travel & entertainment to control spend - Procurement owns streamlining new purchase requests, approvals, vendors, savings, and price intelligence products to help companies make better financial decisions - Intelligence owns the reporting, savings, and price intelligence products to help companies make better financial decisions - Bill Payments owns our invoice management, accounts payable, and B2B payment capabilities - Risk owns our underwriting and financial products that determine which businesses to approve and how to manage risk - Growth owns onboarding, activation and retention products to help our customers be successful on the Ramp platform - Accounting owns creating intelligence in our accounting platform, saving finance teams time and money - Mobile owns our mobile app development and mobile strategy BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) - Flexible PTO - Centralized home-office equipment ordering - Health and wellness stipend - Budget for intra-office travel - Weekly coffee stipend UNITED STATES - 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents - One Medical annual membership - 401(k), including employer match on contributions made while employed by Ramp - Fertility HRA (up to $10,000 per year) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay - Pet insurance - In-office perks: lunch, snacks, drinks, and more - Relocation expense coverage to NYC or SF (if needed) CANADA - Group medical, dental, and vision coverage through Sun Life - Life, AD&D, and disability coverage - Fertility drug coverage (up to $4,000 lifetime) - Group Retirement Plan with employer match (RRSP + DPSP) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay - Employee Assistance Program and virtual care through Lumino Health UNITED KINGDOM - Private medical insurance through Freedom Elite - Virtual GP and at-home care via eMed x Livi - Workplace pension through Penfold, with salary sacrifice option - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay REFERRAL INSTRUCTIONS If you are being referred for the role, please contact that person to apply on your behalf.   OTHER NOTICES Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.   Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.   Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice

Location: San Francisco Workplace: Hybrid ABOUT BASETEN Baseten powers mission-critical inference for the world's most dynamic AI companies, like Cursor, Notion, OpenEvidence, Abridge, Clay, Gamma, and Writer. By uniting applied AI research, flexible infrastructure, and seamless developer tooling, we enable companies operating at the frontier of AI to bring cutting-edge models into production. We're growing quickly and recently raised our $1.5B Series F https://www.baseten.co/blog/announcing-our-series-f/, led by Altimeter Capital, Conviction Partners, and Spark Capital. Join us and help build the platform engineers turn to ship AI products. THE ROLE Compute is one of the most capital-intensive and strategically important functions at Baseten. Every inference request we serve runs on capacity we have sourced, contracted, and financed, and the deals behind that capacity are growing in size and complexity. As a member of the Strategic Compute Investments team, you will work on some of the largest and most complex compute investments. Working directly with our Head of Supply, Finance, and company leadership, you will structure, model, diligence, and help negotiate the large compute, data center, and infrastructure transactions that determine how fast and how profitably Baseten can grow. WHAT YOU'LL DO - Own the analytical and structuring work behind major supply transactions, including multi-year capacity commitments, data center and powered land opportunities, and strategic partnerships - Build the financial models that underwrite each deal, from unit economics and TCO through return, risk, and scenario analysis, and turn them into clear recommendations for leadership - Design deal structures that balance cost, flexibility, and risk, including commitment terms, payment timing, prepayments, and financing options - Lead diligence on counterparties and opportunities, coordinating across Finance, Legal, Engineering, and external advisors - Track market pricing, capital flows, and financing trends across the compute and infrastructure landscape to inform strategy WHAT WE'RE LOOKING FOR - 7-10 years of experience in investment banking, private equity, infrastructure or real estate investing, venture or growth investing, management consulting, or a comparable corporate finance or corporate development role - Hands-on experience structuring, modeling, and executing complex transactions from first look through close - Exceptional financial modeling and analytical skills, with the judgment to turn analysis into a clear recommendation - Strong communication skills and comfort working directly with senior leadership and external counterparties - High ownership and comfort with ambiguity: you want to build the process, not inherit one - Genuine interest in AI infrastructure and the economics of compute NICE TO HAVE - Experience investing in or financing digital infrastructure, data centers, power, or energy - Exposure to compute, cloud, or GPU markets, including capacity contracts or infrastructure financing - Prior experience moving from a finance or investing seat into an operating role at a high-growth company BENEFITS - Competitive compensation, including meaningful equity - (U.S. only) 100% coverage of medical, dental, and vision insurance for employee and dependents - Flexible PTO policy including company wide Winter Break (our offices are closed from Christmas Eve to New Year's Day!) - Paid parental leave - Fertility and family-building stipend through Carrot - (U.S. only) Company-facilitated 401(k) - Exposure to a variety of ML startups, offering unparalleled learning and networking opportunities. Apply now to embark on a rewarding journey in shaping the future of AI! If you are a motivated individual with a passion for machine learning and a desire to be part of a collaborative and forward-thinking team, we would love to hear from you. At Baseten, we are committed to fostering a diverse and inclusive workplace. We provide equal employment opportunities to all employees and applicants without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability, or veteran status. We are an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with applicable law (by example, the requirements of the San Francisco Fair Chance Ordinance, where applicable).

Location: United States Workplace: Remote Most money apps talk at you. Cleo talks back ✨ We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance. The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money. We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in. Follow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥 MEET THE TEAM 👥 Here at Cleo we have team of ~135 member in our Borrow Pillar and ~8 dedicated to Credit Policy and Analytics. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap. ABOUT THE ROLE ✍️ We're hiring a Senior Credit Risk Analyst to help build our next generation of credit underwriting models and strategy, within Credit Policy & Analytics. You'll work at the heart of our credit expansion - supporting EWA (scaling 2x every year) and new launches like BNPL across the US and UK. - Use Cleo's proprietary and third-party data to reduce loss rates and improve customer experience - Optimise risk thresholds, policies, and strategy to expand member access and eligibility for our credit products - Apply quantitative analytics to understand risk drivers and recommend mitigation strategies - Build dashboards to monitor and report on credit product performance - Design, run, and analyse experiments across our credit product - Apply state-of-the-art techniques to combat and mitigate fraud risk - Influence credit policy, portfolio performance, and customer outcomes directly through your analysis, with exposure to senior stakeholders across the business WHAT WE'RE LOOKING FOR 🕵️ - Bachelor's degree in Engineering, Math, Finance, or another quantitative discipline; Master's is a plus - 3-5 years of analytical experience, preferably in a credit risk role at a FinTech company - Experience designing lending products compliant with US state and federal regulations - Experience with SQL, Python, or other statistical modelling tools - Advanced Microsoft Excel skills - Experience adopting AI tools within day-to-day work - Experience/knowledge of working with A/B testing - Nice to have: experience with Python for data analysis (Pandas or NumPy) - Nice to have: knowledge of state-of-the-art machine learning techniques WHAT WE OFFER We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements. For the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈 WHAT MATTERS Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits. We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know. We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!

Location: Remote (Canada) Workplace: Remote BUILD SOMETHING PEOPLE LOVE Wealthsimple is Canada’s leading financial innovator. The company offers a full suite of simple, sophisticated financial products across managed investing, do-it-yourself trading, cryptocurrency, tax filing, spending and saving. Wealthsimple currently serves more than 4 million Canadians and holds over $155 billion in assets under administration. The company was founded in 2014 by a team of financial experts and technology entrepreneurs, and is headquartered in Toronto, Canada. We're proud of what we've built — and we're just getting started. Read our Culture Manual https://www.wealthsimple.com/en-ca/culture and learn more about how we work https://www.wealthsimple.com/en-ca/careers. About the team: At Wealthsimple, we aren't just managing portfolios; we're rewriting the rules of how Canadians interact with credit. The Credit Analytics team own’s Wealthsimple's lending ecosystem, operating at the intersection of high-growth tech and data-driven underwriting. We believe that being “credit-worthy” should mean more than just a traditional score. Our mission is to challenge the status quo, building inclusive products that empower millions of Canadians and the businesses they run to lead better financial lives. We’re growing fast, moving from small data to massive scale through iteration and experimentation. We are extending our consumer credit expertise into business lending built for Canadian small and medium-sized businesses (SMBs). This is a true green-field build — new adjudication policy, new underwriting signals, and new risk infrastructure, informed by everything we've learned scaling our consumer card portfolio. About the role: We are looking for a Senior Associate to own credit policy for our business lending products, starting with a business credit card — from adjudication through the full account lifecycle. You will design and implement the underwriting framework that determines who qualifies and at what limit, build the line management strategies that govern how those limits evolve, and partner closely with collections to manage risk once accounts are on book. Small business cards can be underwritten on the owner, or on the business as it grows. You’ll be working with cash flow, seasonality, industry, and business bureau data, which is usually thinner and messier than consumer bureau data. We need someone who has worked across that range and can turn it into automated policy instead of file-by-file decisions. You will collaborate cross-functionally with Engineering, Product, Data Science, Fraud, and Client Experience to translate policy into shippable adjudication and monitoring systems, and you will have significant ownership over how this portfolio’s risk appetite is defined from day one. In this role, you will have the opportunity to: - Build a new lending program from the ground up with the breadth to see every part of it, from policy to funding, and the runway to grow into leading a lending line of business. - Design and own the adjudication policy for a new business credit card, including entity-level underwriting criteria, principal/guarantor assessment, joint-liability, initial limit-setting, and approval decisioning. - Own line management strategy for business credit products: credit limit increases and decreases, pricing, authorization rules, and active exposure management driven by cash-flow and balance monitoring. - Partner with the collections team to design risk-managed treatment strategies specific to business accounts, and to build lifecycle monitoring that catches emerging risk early. - Evaluate the performance of the business lending portfolio and your policies, using vintage analysis, cohort tracking, and champion/challenger testing to validate and refine underwriting decisions. - Propose policy enhancements that improve marginal profitability while keeping risk within appetite, informed by rigorous root-cause analysis rather than surface-level metrics. - Help define the data and underwriting infrastructure needed for SMB lending — including how to source, validate, and weigh business financial data alongside traditional bureau signals. - Influence roadmaps across partner teams (Engineering, Product, Data Science, Fraud, and Client Experience) and implement policy that drives measurable impact. We're looking for someone who: - Has direct experience underwriting or setting credit policy for small and medium-sized businesses, this is a must-have for this role. Card experience isn't required; we'd love to hear from you if your background is in instalment loans or lines of credit. - Writes SQL hands-on to self-serve data and build monitoring and analytics. - Brings credit discipline to a ship-and-iterate environment, and is comfortable shaping policy while the product itself is still being defined. - Can turn analysis into a clear recommendation for technical and non-technical audiences, weigh incomplete or noisy information and still reach well-grounded decisions. - Is intellectually curious, passionate about their work, and wants ownership over their projects. Preferred qualifications: - 5+ years of experience in small business lending - Knowledge of Canadian consumer credit bureau data (Equifax, TransUnion) - Working knowledge of how business credit risk differs from consumer credit risk: entity vs. personal guarantor assessment, business bureau data (e.g., business credit bureaus), cash-flow-based underwriting, industry/sector risk, and revenue seasonality. - Experience across the credit lifecycle: adjudication policy, line management, pricing, and collections strategy. - Experience with statistical/quantitative analysis: experimental design, champion/challenger (or A/B) testing, model accuracy validation, constrained optimization, decision trees, discounted cash flows, financial modeling. - Experience with Python, and GitHub. Airflow, AWS Redshift, and dbt are a plus. WHY WEALTHSIMPLE? 🌸 Top-tier health benefits and life insurance 📈 Long-term group savings with employer match, through Wealthsimple for Business 🌴 20 vacation days, 4 wellness days, and unlimited sick and mental health days per year* ✈️ 90 days away: work outside Canada for up to 90 days per year* 👥 Employee resource groups, including Rainbow (2SLGBTQ), Women of WS, and Black at WS 🌎 We are a hybrid team with over 1,500 employees across North America. The people are one of the best parts of working here: you'll collaborate with incredibly talented, curious, and driven teammates who are deeply committed to doing great work. *Unlimited paid sick days, Wellness Days and the 90 day away program do not apply to certain roles. ICYMI Technology & Innovation at Wealthsimple: We move quickly and build thoughtfully. That means we're always looking for better ways to work — whether that's new tools, AI, or rethinking how we approach a problem. We don't expect you to have all the answers, but we do expect curiosity and a willingness to evolve alongside the products we're building. Inclusion Statement: We're building products for a diverse world, and we need a diverse team to do it well. We strongly encourage applications from everyone, regardless of race, religion, colour, national origin, gender, sexual orientation, age, marital status, or disability status. Accessibility Statement: We're committed to an accessible hiring experience. If you need any accommodations throughout the interview process, please let us know — we'll work with you to make sure you have what you need. We also welcome any feedback on how we can better accommodate candidates with accessibility needs. AI in Hiring: We may use artificial intelligence (AI) tools to support parts of our hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our team but don't replace human judgment – all final hiring decisions are made by people. If you have questions about how your data is used, reach out to us.

Coinflow is looking for a Senior Fraud Analyst Team Lead to build and lead its fraud function, investigate fraud, manage risk controls, and support bank-partner reporting.

Location: Barcelona Workplace: OnSite Company Description We’re http://checkout.comCheckout.com http://Checkout.com. You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day. We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers. Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale. If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact. With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started. The Mission:   We are looking for a proactive business builder who wants to become an expert in the global payments landscape. In this role, you aren't just a "lead generator" - you are a strategic partner to Sales. You will use a blend of highly relevant, strategic outreach, AI-driven insights, and deep technical research to open doors at the world’s most prestigious brands. We expect you to master the complexities of the payments industry to source and support high-intent opportunities that drive actual revenue..   What You’ll Do: - Master the Payments Craft: Rapidly develop a deep, technical understanding of our product suite and global payment trends to act as a consultant to prospective merchants. - Strategic Account Mapping: Conduct in-depth research into organizational structures and competitive landscapes to identify and engage high-value strategic accounts. - Advanced Discovery: Conduct high-level discovery calls that move past the "pitch" to uncover deep technical and business challenges for the merchant. - Drive Growth Momentum: Maintain a high-performing operating rhythm in daily outreach, consistently striving for excellence while contributing to a high-standard team environment. - Support the Sales Lifecycle: Partner closely with Sales to move deals through the funnel, providing support on follow-ups and maintaining momentum to ensure successful financial go-lives. - Cross-Functional Leadership: Partner with Solutions Engineering, Underwriting, and Product teams to align internal stakeholders and accelerate the sales cycle. - Leverage AI & Sales Tech: Proactively use AI-driven systems (e.g., Salesforce, intent-data tools) and advanced analytics to optimize lead generation, territory planning, and pipeline accuracy. - Operational Rigor: Maintain a data-backed approach to your territory, utilizing qualification frameworks (like MEDDIC) and keeping the CRM (Salesforce) as a source of truth.   What You Bring: - German or Polish Native is essential - Proactive Ownership: You take end-to-end accountability for your territory and outcomes, proactively plan your quarter to overachieve. - Intellectual Curiosity: A relentless drive to learn the mechanics of complex financial technology and industry dynamics. - Exceptional Communication & Presence: Excellent listening and communication skills (written, verbal, and in person). You have the confidence and clarity to engage effectively with stakeholders at all levels - from internal product leads to C-suite executives at global brands. - Technical & AI Fluency: A desire to leverage the latest sales technology and AI tools to work smarter, not just harder. - Exceptional Resilience: A fundamentally positive approach that maintains momentum through setbacks and challenges. - Coachability: A track record of actively seeking feedback and immediately implementing it to improve your performance. - Persistence & Precision: A high level of attention to detail combined with a steadfast commitment to excellence in a fast-paced environment. - Team Impact & Collective Success: You believe in winning as a team and contribute to a supportive, inclusive environment where everyone can perform at their best. You are a positive cultural force who shares feedback respectfully and collaborates cross-functionally to help the entire organization improve. Additional Information Bring all of you to work We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands. We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here. It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. Life at Checkout.com http://Checkout.com We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection. Curious about what it’s like to be part of our team? Visit our Careers Page https://www.checkout.com/careers to learn more about our culture, open roles, and what drives us. For a closer look at daily life at Checkout.com http://Checkout.com, follow us on LinkedIn https://www.linkedin.com/company/checkout/life/ and Instagram https://www.instagram.com/checkout_com/

Location: United States; United Kingdom (Hybrid) Workplace: Remote Most money apps talk at you. Cleo talks back ✨ We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance. The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money. We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in. Follow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥 MEET THE TEAM 👥 Here at Cleo we have team of ~135 member in our Credit Pillar. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap. About The Role ✍️ We’re hiring a hands-on Lead Product Manager to drive Cleo’s Pay Later risk decisioning roadmap. You’ll build the risk models, credit limits and policies that decide who qualifies for Pay Later and how much credit they get, leading a cross-functional squad across Engineering, ML and Risk. Key Responsibilities - Improve our risk models, taking them through approval, testing and rollout - Set credit limits and pricing policy, including new risk grids and spending power rules - Own our bureau data partnership (TransUnion) - what data we collect, when, and how it feeds our models - Spot and fix gaps in our data and reporting, working with central data teams - Build solutions to catch fraud within Pay Later WHAT WE'RE LOOKING FOR 🕵️ - Deep, hands-on experience in fintech risk, credit or underwriting - model-literate across the full ML lifecycle, from discovery to deployment - Proven record of moving business metrics (not just feature-level metrics) on a fast-scaling product - Comfort owning ambiguity - working with limited data, unproven models and pending approvals, and making the trade-offs between pricing, limits and credit risk - Strong data fluency - runs A/B tests, writes SQL, and translates data into compelling stories - Deep understanding of US consumer finance regulation (e.g. Reg Z, Reg B), with experience working alongside legal, compliance and banking partners WHAT WE OFFER We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements. For the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈 WHAT MATTERS Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits. We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know. We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!