Risk Analyst - Fleet Card

About Bobtail

Bobtail is dedicated to increasing happiness by eliminating inefficiencies in the supply chain. We envision a supply chain without friction, fraud, waste, and abuse where companies succeed based on the value they create.

We work in a unique way at Bobtail, where we value teams over individuals and encourage experimentation and iteration to constantly improve. Teams are given flexibility in working towards a shared purpose and given the freedom to decide how they will accomplish their goals.

If you are an out of the box thinker that takes a proactive approach in collaborating with others to solve problems and achieve your goals - we would love to talk to you.

The things we value:

About the Role

We're hiring a tactical, data-driven Risk Analyst to strengthen our risk controls on the Fleet Card program. This entry-level role (1–2 years experience) is perfect for someone who enjoys working with financial data, spotting unusual spend patterns, and building systems that prevent credit losses.

You'll work directly with the Risk Manager to analyze cardholder behavior, support credit policy improvements, and enhance visibility into emerging risk signals — from credit score drops to delinquency indicators and suspicious usage trends.

This is a high-impact, learning-heavy role suited for someone excited about credit risk, fraud prevention, and real-time monitoring in a fast-growing fintech environment.

You should apply if you have:

• Minimum 1-3 years of relevant experience
• Strong SQL skills — must be able to query transaction and user-level data independently.
• Analytical mindset with a strong eye for outliers, trends, and inconsistencies.
• Comfort working with large, messy datasets and turning them into clean reports.
• Familiarity with dashboarding tools (Looker, Tableau, Power BI, etc.).
• Strong written communication, especially when documenting casework or investigation summaries.

Nice to Have

• Experience with Python for analysis or automation.
• Familiarity with credit risk management, underwriting, or collections.
• Internship or hands-on experience in fintech, lending, or card-based products.
• Prior experience in a tech startup — preferred for adaptability and ownership.

You will be responsible for:

• Track and report on key credit risk indicators (KRIs) like Days Past Due, Utilization Rates, and Limit Breaches.
• Identify early warning signs such as spend spikes, irregular usage locations, or frozen credit reports.
• Investigate late payments, missed repayments, and suspected misuse of cards.
• Support root cause analysis (RCA) for fraud, default, or risky customer behavior.
• Write and optimize SQL queries to extract relevant cardholder and transaction-level data.
• Collaborate with the Credit and Ops teams to review customer creditworthiness and update credit line recommendations.
• Help design alerts and internal tools to flag high-risk patterns in real time.
• Clean and prepare data for reporting, presentations, and leadership updates.
• Summarize findings in short, structured writeups with risk-relevant insights.

Benefits

• Monthly Mental Break Day
• Paid Time Off
• Work from home (or wherever)
• Parental leave

Creating a diverse and inclusive workplace is Bobtail's nucleus. We are an equal opportunity employer and embrace people of different backgrounds, cultures, religions, national origins, races, colors, genders, gender expressions, sexual orientations, ages, marital status, veteran status, experiences, abilities and perspectives.