Data Analyst

• 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

• 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

• 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

• 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

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- Curiosity, attention to detail, and a passion for building well-structured analytical systems and business processes

• Demonstrated ability to integrate AI into day-to-day work (prompt design, model evaluation, data prep, or workflow optimization)

• Excellent communication skills — able to translate complex analysis into clear insights for technical and non-technical partners

• Strong proficiency with data analysis tools (SQL, Excel/Sheets, Python)

• Ability to manage multiple priorities, take ownership, and drive projects end-to-end

• Bonus: experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics

• Experience using AI tools in a professional setting (e.g., for workflows, analysis, automation, or insight generation)

• 3–7 years of experience in an analytical, operations, strategy, or data-focused role

• Track record of collaborating effectively with product, engineering, or operations teams

• Solid understanding of business processes, KPIs, and analytical frameworks; able to independently break down ambiguous problems

• Experience working with large datasets and building reliable reporting/dashboarding (Looker, Tableau, Omni, Mode, or similar)

• Experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics

• Familiarity with financial systems, reconciliation workflows, or data integrity challenges

• Experience building or deploying internal AI tools, automations, or agents to improve productivity or business operations