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2 months ago
Requirements and responsibilities
The CompanySunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good.What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale.Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations.The RoleWe’re hiring for a high-aptitude, experienced, and action-oriented leader to lead Sunbit’s fraud prevention efforts for the Credit Card business (300k existing accounts, 100-200k+ new originations per year). This leader will be responsible for loss, friction, opex, and customer experience metrics across multiple card programs including an invitation-only program for Sunbit customers and several public programs through cobranded partnerships including invitation-to-apply, in-store, and online acquisition channels.As the Director of Card Fraud, you’ll define the strategy, roles, and chair the cross functional team across Decision Science, Analytics, Product, and Operations. This is an individual contributor role with the potential to build an organization of 1-3 specialists depending on needs and performance. Reports to Chief Customer Officer.What You’ll OwnLead strategies to reduce fraud losses across the credit card lifecycle with heavy emphasis on origination and the first 30 days, while balancing onboarding friction, operating expenses, and customer experienceChair the cross-functional Card Fraud Business Area with team members from operations, product, engineering, decision science, analytics, risk management, compliance, and financePartner closely with the Decision Science team to evaluate performance, develop new approaches, and lead efforts on the acquisition of high-performing data sourcesBe accountable for overall card fraud performance and financial targetsWhat You’ll BringGreat executor who knows the skills to “get things done” in fluid, fast-moving organizationsPlayer/coach who confidently transitions between tactical execution and long-term strategy, both as a direct contributor and builder/leader of teamsStrong people relator who builds influence and relationships across the organizationHighly quantitative; aligns teams with facts and information to inform decisionsHigh aptitude, horsepower, and driveFraud risk management experience in a fast-growing consumer lending business; proven ability to “own a loss target” and manage it effectively; practical expertise in strategies to manage risk for fully-digital consumer lending originationNice to HaveBonus with a fintechBonus with credit cardsDemonstrated success working in a matrixed organization and partnering with a strong data science / decision science / fraud analytics teamBonus: Practical/operating understanding of statistical modelingDouble bonus: Practical/operating understanding of machine learning principlesDemonstrated understanding of best practices and leading third-party solutions in the fraud data space (credit bureaus, public records, network risk scores, digital identity and footprint, etc.)Bonus: Vendor management skills; knows how to negotiate and drive effectiveness with data suppliers and partnersBonus: Experience in credit card transaction risk modelingDouble bonus: Experience operating on Fiserv Defense Edge platform for credit card transaction risk modelingThe PerksJoin one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024)Mission driven + empowered + collaborativeCompetitive pay and stock optionsUnlimited PTOHealth Insurance options including Medical, Dental, Vision, Life, EAP, FSA, and Parental LeaveNewly added HSA and Pet Insurance401K Plan with MatchingCell Phone StipendTeam based strategic planning + Team owned deliverablesEqual Opportunity EmployerSunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.Recruitment Fraud DisclaimerSunbit has been made aware of fraudsters impersonating Sunbit employees during the hiring process. All official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. They will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process.
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