Credit Risk Associate, Gemini

• 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

Desirable

• 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
• 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