Associate, Credit Risk

Gemini • Miami, FL

82d • $82,500 - $110,000

About The Position

Gemini is hiring for an Associate, Credit Card Risk to be part of the risk management function. You’ll use SQL (and optionally Python) to analyze portfolio performance, implement rules, build monitoring, and prepare clear data-driven recommendations. This is a hands‑on role supporting senior risk leaders and partnering with Product, Engineering, Data, Operations, Compliance, and Collections to ship safe, customer‑friendly credit experiences. The role provides an exciting opportunity to understand and build risk infrastructure of an evolving asset class and products. This role is required to be in person twice a week at either our Seattle, WA, New York City, NY, or Miami, FL office.

Requirements

• Bachelor’s degree in a related field or commensurate work experience
• 3-5 years of credit card risk experience
• Experience with relational databases and SQL
• Strong data communication skills
• Great verbal, written and communication skills
• Roll-up-the-sleeves, no-task-is-too-small-attitude - willingness to do what’s necessary to ensure the safety of our customers

Nice To Haves

• Data visualization using Business Intelligence tools (e.g. Tableau, Looker etc.) is a huge plus
• Python experience is a plus

Responsibilities

• Execute analyses to inform underwriting rules, cutoffs, policies, and operational flows for Gemini’s credit card product
• Translate ambiguous questions into well‑scoped queries and concise findings; propose data‑backed next steps
• Build and maintain daily/weekly dashboards and reports for KRIs/KPIs (approval, utilization, delinquency, roll rates, charge‑offs)
• Partner with Product/Engineering/Data to implement rules and thresholds in decisioning systems; validate inputs/outputs and run A/B or champion/challenger tests
• Run post‑implementation reviews of strategy changes; identify drift, stability issues, and quick optimizations
• Prepare ad‑hoc analyses and management readouts that tell a clear analytical story
• Document change logs, assumptions, and expected impacts
• Communicate clearly with Product, Operations, Engineering, Data, Compliance, Collections, and Fraud to triage issues, refine requirements, and close the loop on outcomes

Benefits

• Competitive starting salary
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental Leave
• Flexible time off

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Bachelor's degree