Credit Business Analyst (Credit Card)

Join a leading fintech company that’s democratizing finance for all.
Robinhood was founded on a simple idea: that our financial markets should be accessible to all. With customers at the heart of our decisions, Robinhood is lowering barriers and providing greater access to financial information. Together, we are building products and services that help create a financial system everyone can participate in.
As we continue to build...
We’re seeking curious thinkers looking to co-author the next chapters of our story. Joining now means helping shape our vision, structures and systems; playing a key-role as we launch into our ambitious future.
About The Team
Robinhood’s Credit Card Risk team develops groundbreaking credit products, designs state of the art decision frameworks, and builds risk management systems that serve our customers. Our team seeks to push the boundaries of what credit products and experiences can look like.
We are actively seeking talented professionals with a demonstrated background in credit card management to shape our vision, deliver smart financial solutions, and democratize finance. Join us as we revolutionize the credit landscape and redefine the way people interact with financial services.
The preferred location for this position is in or around Robinhood's offices in Washington, D.C., Menlo Park, CA, or New York, NY with in-office work capabilities, as may be required by management, but remote work in limited geographies within the U.S. may be considered. Check with your recruiter for more information.
What You’ll Do Day-to-day
As a foundational member of the early credit team, your responsibilities will include the following:

• Set and optimize credit policies for new accounts and for customer management programs such as limit increases
• Communicate performance and strategy with senior leadership as well as external stakeholders
• Build and maintain NPV valuation models for management of credit programs
• Develop comprehensive monitoring and analysis suites that helps identify actionable insights and new strategies to improve business performance
• Influence and partake in cross-functional collaborations to drive key product features and strategies
• Design tests to refine product and credit strategy

About You

• Experience in managing credit programs that leverage machine learning models
• Experience in designing and interpreting randomized testing frameworks
• Bachelor’s or Master’s degree in Computer Science, Engineering, Information Systems, Analytics, Mathematics, Physics, Applied Sciences, or a related field.
• Strong communication skills and ability to simplify complex programs and focus on key areas of leverage
• Strong quantitative analytical skills
• No less than two years of experience building Acquisition and/or Customer Management credit strategies
• Hands-on experience with SQL / R/ Python (Pandas, Scikitlearn etc.)

Base pay for the successful applicant will depend on a variety of job-related factors, which may include education, training, experience, location, business needs, or market demands. You can view comp zones for our US office locations in the table below. For other locations not listed, compensation can be discussed with your recruiter during the interview process.
Office locations (by comp zone)
US Zone 1: Menlo Park, NYC, Seattle, Washington DC
US Zone 2: Denver, Westlake (Dallas), Chicago
US Zone 3: Lake Mary
We’re looking for more growth-minded and collaborative people to be a part of our journey in democratizing finance for all. If you’re ready to give 100% in helping us achieve our mission—we’d love to have you apply even if you feel unsure about whether you meet every single requirement in this posting. At Robinhood, we're looking for people invigorated by our mission, values, and drive to change the world, not just those who simply check off all the boxes.
Robinhood promotes diversity and provides equal opportunity for all applicants and employees. We are dedicated to building a company that represents a variety of backgrounds, perspectives, and skills. We believe that the more inclusive we are, the better our work (and work environment) will be for everyone. Additionally, Robinhood provides reasonable accommodations for candidates on request and respects applicants' privacy rights. To review Robinhood's Privacy Policy please visit Robinhood - US Applicant Privacy Policy. If you are an applicant located in the UK or EEA, please visit the Robinhood UK/EEA Applicant Privacy Policy.