Risk Manager

Coast • New York, NY

17h • $110,000 - $160,000 • Hybrid

About The Position

Coast is re-imagining the trillion-dollar U.S. B2B card payments infrastructure, with a focus on the country’s 500,000 commercial fleets, 40 million commercial vehicles, and many millions of commercial drivers. The incumbent technologies that cater to these customers are decades old, and businesses with fleets increasingly demand modern digital experiences and transparent financial services products. Coast’s mission is to deliver this at a transformational scale, beginning with the Coast Fleet and Fuel Card built on a cutting-edge spend management platform.

The Risk team at Coast owns the full credit and fraud lifecycle — underwriting policy, account management, fraud detection, and the decisioning infrastructure that automates all of it. We’re hiring a senior generalist who can operate across that entire surface: someone who can set credit and fraud strategy one week and build the workflow, query, or data pipeline that executes it the next.

You won’t hand your ideas to another team to implement — you’ll design the policy, wire it into our decisioning systems, and measure whether it worked. You’ll interact daily with the heads of Sales, Product, Operations, Compliance, Legal, Finance, and the CEO to deliver on risk initiatives.

Requirements

• 4–8 years of experience in credit risk, fraud risk, or risk strategy roles, ideally in SME lending.
• AI-native mindset: you’re already using AI tools in your daily work to build workflows, analyze data, and move faster—and you’re excited to push further.
• True generalist: comfortable owning a policy question, an investigation, and a technical build in the same week, and able to prioritize among them.
• Strong SQL skills and the ability to independently analyze transaction, cash-flow, credit, fraud, and application data.
• Hands-on experience configuring or building decisioning systems, risk workflow tools, or rules engines—or the technical ability to learn them quickly.
• Humble, collaborative approach and a proven track record of working well across teams and with external partners and vendors.
• Excellent written and verbal communication skills, with the ability to turn an ambiguous risk question into a clear written recommendation.
• Practical and business-minded, smart and creative, and excited about the rewards and volatility of an early-stage venture-backed startup.
• New York City based and able to work in the office 3–4 days per week.

Nice To Haves

• Experience with B2B fintech or commercial card products.
• Experience underwriting small and medium-sized businesses.
• Experience with risk decisioning or orchestration platforms such as Alloy or Oscilar, plus fraud and identity vendors.
• Python skills or familiarity with modern data stacks such as Redshift, dbt, Hex, or Sigma.

Responsibilities

• Own credit and fraud risk strategy end-to-end
• Leverage internal credit performance, transaction, application, cash-flow, financial, and credit-bureau data to shape underwriting, line increase/decrease, account suspension, and other critical account policies.
• Execute the policies you build by conducting credit reviews, line increase/decrease decisions, and high-risk enablement reviews, then use what you learn to improve the system.
• Build and maintain the decisioning infrastructure that executes risk policy
• Configure underwriting logic, case-management and monitoring workflows, and vendor integrations for fraud, identity, and document verification.
• Identify where manual risk operations can be automated, then design and implement the automation.
• Lead fraud investigations across account takeover, identity theft, and first-party fraud
• Conduct root-cause analyses and ship data-driven detection rules and defenses.
• Own risk data and reporting
• Build and maintain dashboards, monitoring alerts, and underlying data models while partnering with Data Engineering on the broader roadmap.
• Partner cross-functionally with Product, Sales, Operations, Compliance, Legal, and Finance to lead credit and fraud initiatives.

Benefits

• Medical, dental and vision insurance
• Flexible paid time off (vacation, personal well being, paid holidays)
• Tools to help manage your financial wellness, including webinars, access to an equity tax advisory service, and company-sponsored 401(k)
• Paid parental leave
• $400 accessories allowance (a keyboard, mouse, headphones, etc.)
• Education stipend
• Free lunch every Friday

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed