Job Description


The Department: Neo Banking

The Role: Associate, Credit Risk

Gemini is looking for an Associate, Credit Card Risk to be part of the risk management function. The risk management function works closely with various teams across Gemini including products, operations, engineering, data and compliance to manage inherent risks in processes of the Company. We are looking for someone who can bring risk management and technical expertise while at the same time a quantitative and hands-on approach to manage Credit Card risks of Gemini credit cards. The role will require to implement technical solutions for real-time risk monitoring and recommend risk mitigation actions. The role provides an exciting opportunity to understand and build risk infrastructure of an evolving asset class and products. The role will provide an opportunity to challenge the most fundamental risk management principles and implement solutions which suit the new and evolving asset class with beginner's mindset. To excel in this role, the individual will use his/ her analytical skills and technical ability to add value to the organization.


  • Credit Card Risk Core Strategy Analytics
    • This role will lead analysis effort to develop core credit card strategies (including rules, cutoffs, policies, operational flows, etc.) to protect firm from credit card related losses and improve customers experience
    • Provide analytical expertise on implementation/testing and initiatives related to the improvement of risk mitigation processes and infrastructure
    • Able to interpret large complex data to formulate problem statement and generate conclusions regarding underlying risk dynamics, trend and further opportunities
    • Assist team efforts in the critical development of new credit card risk pattern or spending pattern detection tools
  • Reporting
    • Generate post credit card risk strategy implementation review reports on a regular basis, and evaluate currents strategies come up with improving ideas and suggestions based on newly detected pattern
    • Prepare Ad-hoc credit risk and fraud strategy related requests, and use analytical data/dashboards to create a solid analytical story to senior management
  • Cross-Functional Collaboration
    • Work closely and provide clear communication (oral and written) with across functional teams such as products, operations, engineering, data, compliance, and collection to further improve fraud detection and credit delinquency reduction strategies

Minimum Qualifications:

  • Bachelors degree in a related field or commensurate work experience
  • 3-5 years of credit card risk experience
  • Familiarity or experience with relational databases and SQL
  • Strong data communication skills
  • Great verbal, written and communication skills
  • Ability to think on the feet and maintain composure in difficult and complex situations
  • Comfortable with making decisions in ambiguity
  • Roll-up-the-sleeves, no-task-is-too-small-attitude - willingness to do whats necessary to ensure the safety of our customers
  • A healthy balance of empathy and skepticism, and the ability to question ones own assumptions

Preferred Qualifications:

  • Data visualization using Business Intelligence tools (e.g. Tableau, Looker etc.) is a huge plus
  • Python experience is a plus

It Pays to Work Here   The compensation & benefits package for this role includes:

  • Competitive base salary
  • Benefits
  • Discretionary annual bonus

  • Communications Skills
  • Database Management
  • Risk Analysis
  • SQL
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