# Risk Manager

**Company:** [Coast](https://hotfix.jobs/companies/coast)
**Location:** New York, NY
**Role:** Revenue Operations
**Salary:** $110k – $160k/yr
**Experience:** 4+ years
**Skills:** SQL, Python, alloy, oscilar, Redshift, dbt, Sigma, Fraud Detection, credit risk, risk decisioning, identity verification, Data Modeling, Dashboarding, transaction monitoring, charge-off analysis
**Posted:** 2026-08-04

> Own end-to-end credit and fraud risk strategy for a B2B fintech, combining policy design, investigations, decisioning infrastructure, analytics, and hands-on risk operations. The role requires 4–8 years of relevant experience, strong SQL, and comfort working cross-functionally in a New York City office.

## Job Description

## Responsibilities

- Own credit and fraud risk strategy end-to-end.
- Use credit performance, transaction, application, cash-flow, financial, and credit-bureau data to shape underwriting, line increase/decrease, account suspension, and other account policies.
- Conduct credit reviews, line increase/decrease decisions, and high-risk enablement reviews, then use findings to improve the system.
- Configure underwriting logic, case-management and monitoring workflows, and vendor integrations for fraud, identity, and document verification.
- Identify manual risk operations suitable for automation and design and implement the automation.
- Lead fraud investigations involving account takeover, identity theft, and first-party fraud.
- Conduct root-cause analyses and deploy data-driven detection rules and defenses.
- Build and maintain dashboards, monitoring alerts, and underlying risk data models in partnership with Data Engineering.
- Partner with Product, Sales, Operations, Compliance, Legal, and Finance on credit and fraud initiatives.
- Support Risk Operations by reviewing credit line changes, payment extensions, grace periods, high-risk categories, transaction monitoring, and other judgment-based decisions.
- Track delinquency and charge-off by cohort and monitor 30+ DPD trends.
- Own the risk technology stack, including Alloy, Oscilar, Inscribe, Persona, Sentilink, Truebiz, and SBFE, while managing vendor performance and cost.

## Requirements

- 4–8 years of experience in credit risk, fraud risk, or risk strategy, ideally in SME lending.
- AI-native mindset and experience using AI tools to build workflows, analyze data, and work efficiently.
- Ability to operate as a risk generalist across policy, investigations, and technical implementation.
- Strong SQL skills and ability to independently analyze transaction, cash-flow, credit, fraud, and application data.
- Hands-on experience configuring or building decisioning systems, risk workflow tools, or rules engines, or the technical ability to learn them quickly.
- Collaborative approach and experience working cross-functionally and with external partners and vendors.
- Excellent written and verbal communication skills, including the ability to turn ambiguous risk questions into clear recommendations.
- Practical, business-minded approach suited to an early-stage venture-backed startup.
- New York City based and able to work in the office 3–4 days per week.

## Nice-to-haves

- Experience with B2B fintech or commercial card products.
- Experience underwriting small and medium-sized businesses.
- Experience with risk decisioning or orchestration platforms such as Alloy or Oscilar, plus fraud and identity vendors.
- Python skills or familiarity with Redshift, dbt, Hex, or Sigma.

## Compensation and Benefits

- Salary range: **$110,000–$160,000 annually**.
- Meaningful equity grant.
- Medical, dental, and vision insurance.
- Flexible paid time off, personal well-being time, and paid holidays.
- Financial wellness resources, equity tax advisory access, and company-sponsored 401(k).
- Paid parental leave.
- $400 accessories allowance.
- Education stipend.
- Free lunch every Friday.

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