Lead Data Analyst, Cardless
$135-190k
+ Equity
Office located in Mission District, CA
Co-branded credit card creation platform
Be an early applicant
Co-branded credit card creation platform
21-100 employees
Be an early applicant
$135-190k
+ Equity
Office located in Mission District, CA
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- Bachelor's degree in Statistics, Mathematics, Computer Science, or a related field
- 5+ years of experience in data analysis, preferably in the fintech or financial services sector
- Expert-level proficiency in SQL and data modeling
- Strong storytelling skills with the ability to translate complex data into actionable insights
- Proficiency in data visualization tools (e.g., Tableau, Power BI)
- Experience with statistical analysis and programming languages such as Python or R
- Excellent communication and interpersonal skills, with the ability to work effectively across teams
- Strong problem-solving skills and attention to detail
Desirable
- Master’s degree in Mathematics, Statistics, Economics, Engineering, or a related technical field
- Experience with data engineering concepts and tools (e.g., ETL processes, data warehousing)
- Experience with dbt or Fivetran
- Familiarity with cloud platforms like AWS or Google Cloud
- Knowledge of machine learning techniques and their applications in fintech
What the job involves
- In this role, you'll collaborate across Cardless to build foundational models, provide crucial data insights, models, and products supporting informed decisions and growth
- You'll analyze Cardless’ data, translate business needs into data problems, and build scalable solutions like metrics, pipelines, and dashboards
- Your work will involve extracting actionable insights, creating reports, and delivering data-driven recommendations to guide the business
- As a lead analyst you will have broad influence across our company and have a direct impact on our future trajectory!
- Build structured models for our key data sets for other stakeholders across Cardless to query and leverage for business insights
- Product Performance Dashboard: Design and implement an interactive dashboard that tracks key performance indicators (KPIs) for our various financial products
- This will involve working closely with the product team to identify relevant metrics and creating a user-friendly interface for stakeholders and partners to monitor product performance in real-time
- Customer Segmentation Analysis: Develop a comprehensive customer segmentation model using transaction data, demographic information, and product usage patterns
- This project will involve collaborating with marketing and product teams to identify key segments and create targeted strategies for each group
- Cost of Funds Optimization: Collaborate directly with the head of finance to analyze our funding sources, capital allocation, and risk profiles
- Develop a data-driven model to optimize our cost of funds, with a direct impact on our bottom line and profitability!
- Regulatory Reporting Automation: Partner with the finance and compliance teams to streamline and automate regulatory reporting processes
- This project will involve optimizing data pipelines, creating automated reports, and ensuring data accuracy for compliance purposes
- Collaborate with marketing, finance, product, compliance, and operations teams to identify data needs and provide analytical support
- Design, develop, and maintain complex SQL queries and databases to extract, transform, and analyze large datasets
- Create clear, compelling data visualizations and presentations to communicate insights to both technical and non-technical stakeholders
- Identify trends, patterns, and anomalies in financial and user behavior data to inform strategic decisions
- Monitor and ensure data quality within the data warehouse, troubleshooting and resolving issues as needed
- Create reporting dashboards and monthly financial reports using SQL and data tools such as Mode and Looker
Our take
Cardless is a financial technology company attempting to modernize co-branded credit card programs. There are around 200 brands in the U.S. with traditional cards that haven't been modernized in over 20 years. These traditional cards, from the likes of Costco and Sam's, enable shoppers to collect reward points that they can use for things like travel.
Cardless is helping popular consumer brands (for example, NBA’s Cleveland Cavaliers) launch credit cards so they can engage with their fans and reward them with bespoke benefits. For example, a virtual conversation with a player.
Cardless’ co-founders are no strangers to the financial industry. Michael Spelfogel spent time at Visa and Scott Kazmierowicz worked in banking for Goldman Sachs. Through their experiences they spotted a gap in the market for simple, credit card loyalty programs that focus on customer experiences.
The global credit card market is valued at over $100 billion. It's certainly big enough for consumer brands to enter, however, with Cardless acting as a middle-man, there's always a risk that it could get frozen out by the big banks.
Freddie
Company Specialist at Welcome to the Jungle
Insights
Company
Funding (last 2 of 5 rounds)
Nov 2024
$30m
GROWTH EQUITY VC
Jul 2021
$40m
SERIES B
Total funding: $80m
Company benefits
- 💸 Competitive salaries, equity, and a 401(k) plan
- 🏥 Top-of-the-line healthcare (medical, vision, and dental), with 100% primary coverage and 75% dependent coverage for medical
- 🌴 Unlimited paid time off, with a minimum of 15 days off per year
- 👶 Parental leave for birthing and non-birthing parents
- ✈️ Team trips & offsites
- For in-office employees:
- 🍱 Catered lunch at the office every day, plus plenty of snacks & drinks
- 🚎 $250/month commuter assistance for public transit or our parking garage
- For remote employees:
- 🖥️ $500 remote setup stipend to help you do your best work
Company values
- Be curious and be the solution - We work in a complex space. In order to be successful, we must think globally and collaborate cross-functionally. We ask thoughtful questions without judgment and propose comprehensive solutions that address the full picture. We are all owners at Cardless — mindful and empowered
- Do your best work - We are a team, and we achieve more together than apart. At Cardless, we want to see each other succeed: we take as much pride in each other’s work as our own. We celebrate and seek out diversity of experience, thought, and background in order to accelerate both individual and company growth. We're hungry, we're passionate, and we’re inspired to achieve great things together
- Move fast and build things - We are a startup in a highly regulated space, so we must execute with both speed and precision. We achieve this through deliberate focus, methodical preparation, and disciplined execution. We build, learn, improve, and repeat
- Start with the customer - Our customers are our priority. Our care for them drives our actions. The first question we always ask is: how will this impact the customer? We make every decision, no matter how big or small, with the customer top of mind
Company HQ
SoMa, San Francisco, CA
Articles
Leadership
Scott Kazmierowicz
(CEO)Former Investment Banker at Allen & Company and Bank of America. Former Software Engineer at Goldman Sachs. BS in Computer Science at Stanford University.
Michael Spelfogel
(President)Former Data Scientist at Lyft and Rent the Runaway. Formerly in Commercial Card Management at Visa. BASc in Management Science and Engineering at Berkley.
Salary benchmarks
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