Data Analyst
About the role
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. 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. 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. We're headquartered in San Francisco, CA, with a beautiful office in the Mission District (also noted as Jackson Square).
Responsibilities
- 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
Requirements
- 3–7 years of experience in an analytical, operations, strategy, or data-focused role
- Strong proficiency with data analysis tools (SQL, Excel/Sheets, Python)