The Credit Risk Lead at Cardless will oversee credit risk management across all our partner brands. This includes leading initiatives around originations (such as credit policy, initial line assignment, and risk-based pricing), account management (e.g., CLI, CLD, Authorization), collections strategies, reporting, loss forecasting, and advanced analytics. In this role, you will develop and implement tools to scale risk management processes as we grow our partnerships. A strong sense of responsibility is key: you will foster open communication, address concerns proactively, and ensure adherence to policies and procedures. Additionally, you'll align with Cardless' risk appetite while balancing customer experience and operational objectives. As the company scales, you'll be accountable for identifying, managing, and reporting risks across all areas of the business.