Risk Analyst (Founding Team)
Job Title: Risk Analyst (Credit & Fraud)
Location: San Francisco, CA (FiDi – In Office)
Compensation: $125,000 – $175,000 base + 0.25–1% equity
About the Company
We’re partnering with a venture-backed startup building financial infrastructure for education — a space undergoing a major shift as billions in government funding move directly into the hands of families.
The company is building the systems that enable real-time access, monitoring, and compliance of these funds, combining fintech infrastructure with AI-driven decisioning.
The Opportunity
This is not a traditional risk role.
You’ll operate at the intersection of risk, product, and data, making real-time decisions that directly impact users while helping design and automate the systems behind those decisions.
You’ll work closely with senior leadership and engineering to build and scale the company’s fraud, credit, and risk operations from the ground up.
What You’ll Do
- Monitor and investigate transaction activity to identify fraud and emerging risk patterns
- Analyze portfolio performance (approval rates, losses, utilization) to inform decisions
- Build data-driven insights to improve underwriting and risk strategies
- Design and implement automations across fraud, credit, and compliance workflows
- Partner with engineering, product, and operations to improve systems and processes
- Balance risk mitigation with user experience to reduce friction without sacrificing safety
What We’re Looking For
- 2–5 years experience in fraud, credit risk, trust & safety, or fintech operations
- Strong analytical skills with SQL proficiency
- Experience working with transaction data or risk systems
- Ability to operate in fast-paced, ambiguous environments
- Strong ownership mindset and attention to detail
Who You Are
- You’re both analytical and product-minded
- You simplify complex systems and improve them over time
- You’re comfortable making decisions with incomplete information
- You care about building systems that scale, not just solving one-off problems
Why This Role
- Foundational role in building risk systems from scratch
- High visibility and direct impact on product and user experience
- Opportunity to work at the intersection of fintech, AI, and operations
- Strong compensation + meaningful equity