Gemini
Overview
Associate, Credit Risk at Gemini. The role uses SQL (and optionally Python) to analyze portfolio performance, implement rules, build monitoring, and prepare data-driven recommendations. It is a hands-on role supporting senior risk leaders and partnering with Product, Engineering, Data, Operations, Compliance, and Collections to ship safe, customer-friendly credit experiences. This role is required to be in person twice a week at one of the following offices: Seattle, WA; New York, NY; or Miami, FL. Responsibilities
Execute analyses to inform underwriting rules, cutoffs, policies, and operational flows for Gemini’s credit card product Translate ambiguous questions into well-scoped queries and concise findings; propose data-backed next steps Build and maintain daily/weekly dashboards and reports for KRIs/KPIs (approval, utilization, delinquency, roll rates, charge-offs) Partner with Product/Engineering/Data to implement rules and thresholds in decisioning systems; validate inputs/outputs and run A/B or champion/challenger tests Run post-implementation reviews of strategy changes; identify drift, stability issues, and quick optimizations Prepare ad-hoc analyses and management readouts that tell a clear analytical story Document change logs, assumptions, and expected impacts Communicate clearly with Product, Operations, Engineering, Data, Compliance, Collections, and Fraud to triage issues, refine requirements, and close the loop on outcomes Minimum Qualifications
Bachelor’s degree in a related field or commensurate work experience 3-5 years of credit card risk experience Experience with relational databases and SQL Strong data communication skills Great verbal, written and communication skills Roll-up-the-sleeves attitude – willingness to do what’s necessary to ensure the safety of our customers Preferred Qualifications
Data visualization using Business Intelligence tools (e.g. Tableau, Looker, etc.) is a plus Python experience is a plus Compensation & Benefits
Competitive starting salary A discretionary annual bonus Long-term incentive in the form of a new hire equity grant Comprehensive health plans 401K with company matching Paid Parental Leave Flexible time off Salary Range
The base salary range for this role is between $82,500 - $110,000 in New York, California, and Washington (this range is not inclusive of discretionary bonus or equity). When determining a candidate’s compensation, a number of factors are considered including skillset, experience, job scope, and current market data. Compliance & Equal Opportunity
In the United States, Gemini offers a hybrid work approach with hub offices and remote options. Gemini strives to build diverse teams and is committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. If you have a need for accommodation, please contact the People Team.
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Associate, Credit Risk at Gemini. The role uses SQL (and optionally Python) to analyze portfolio performance, implement rules, build monitoring, and prepare data-driven recommendations. It is a hands-on role supporting senior risk leaders and partnering with Product, Engineering, Data, Operations, Compliance, and Collections to ship safe, customer-friendly credit experiences. This role is required to be in person twice a week at one of the following offices: Seattle, WA; New York, NY; or Miami, FL. Responsibilities
Execute analyses to inform underwriting rules, cutoffs, policies, and operational flows for Gemini’s credit card product Translate ambiguous questions into well-scoped queries and concise findings; propose data-backed next steps Build and maintain daily/weekly dashboards and reports for KRIs/KPIs (approval, utilization, delinquency, roll rates, charge-offs) Partner with Product/Engineering/Data to implement rules and thresholds in decisioning systems; validate inputs/outputs and run A/B or champion/challenger tests Run post-implementation reviews of strategy changes; identify drift, stability issues, and quick optimizations Prepare ad-hoc analyses and management readouts that tell a clear analytical story Document change logs, assumptions, and expected impacts Communicate clearly with Product, Operations, Engineering, Data, Compliance, Collections, and Fraud to triage issues, refine requirements, and close the loop on outcomes Minimum Qualifications
Bachelor’s degree in a related field or commensurate work experience 3-5 years of credit card risk experience Experience with relational databases and SQL Strong data communication skills Great verbal, written and communication skills Roll-up-the-sleeves attitude – willingness to do what’s necessary to ensure the safety of our customers Preferred Qualifications
Data visualization using Business Intelligence tools (e.g. Tableau, Looker, etc.) is a plus Python experience is a plus Compensation & Benefits
Competitive starting salary A discretionary annual bonus Long-term incentive in the form of a new hire equity grant Comprehensive health plans 401K with company matching Paid Parental Leave Flexible time off Salary Range
The base salary range for this role is between $82,500 - $110,000 in New York, California, and Washington (this range is not inclusive of discretionary bonus or equity). When determining a candidate’s compensation, a number of factors are considered including skillset, experience, job scope, and current market data. Compliance & Equal Opportunity
In the United States, Gemini offers a hybrid work approach with hub offices and remote options. Gemini strives to build diverse teams and is committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. If you have a need for accommodation, please contact the People Team.
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