Data Analyst

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., * 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

Do you have experience in Tooling?, * 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
• Bonus: experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics

Nice to have

• 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

$130,000 - $200,000 a year - Full-time, Pulled from the full job description

• Parental leave
• Health insurance
• Paid time off
• Vision insurance
• Dental insurance
• Dependent health insurance coverage
• Commuter assistance, This role has an annual starting salary range of $130,000-$200,000 + equity + benefits (see above). Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

Benefits

We’re headquartered in San Francisco, CA, with a beautiful office in the Mission District. We’re proud to offer our team excellent benefits:

Meaningful Start-up equity

100% health, vision & dental primary coverage

75% health, vision & dental dependent coverage

Catered lunches

$250/month Commuter benefit

Parental leave

Team building events & happy hours

We’re headquartered in San Francisco, CA, with a beautiful office in Jackson Square. We welcome employees who want to work from this office; we offer additional benefits to those who do, and relocation assistance to those who’d like to.

We regularly bring our team together for offsites & trips, about every 2 months, both for fun and for work. We cover all travel & lodging in these cases.

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