Data Analyst

Cardless•San Francisco, CA

4d•Onsite

About The Position

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.

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

Nice To Haves

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

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