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About the Role

The Risk team at Coast owns the full credit and fraud lifecycle, including underwriting policy, account management, fraud detection, and the decisioning infrastructure. We are seeking a senior generalist who can operate across this entire surface, setting strategy and building the necessary systems to execute it.

Responsibilities

• Own credit and fraud risk strategy end-to-end.
• Leverage internal credit performance, transaction, application, cash-flow, financial, and credit-bureau data to shape underwriting, line increase/decrease, account suspension, and other critical account policies.
• Execute policies by conducting credit reviews, line increase/decrease decisions, and high-risk enablement reviews, then use learnings to improve the system.
• Build and maintain the decisioning infrastructure that executes risk policy.
• Configure underwriting logic, case-management and monitoring workflows, and vendor integrations for fraud, identity, and document verification.
• Identify opportunities for automation in manual risk operations, then design and implement the automation.
• Lead fraud investigations across account takeover, identity theft, and first-party fraud.
• Conduct root-cause analyses and ship data-driven detection rules and defenses.
• Own risk data and reporting.
• Build and maintain dashboards, monitoring alerts, and underlying data models, partnering with Data Engineering on the broader roadmap.
• Partner cross-functionally with Product, Sales, Operations, Compliance, Legal, and Finance to lead credit and fraud initiatives.
• Run root cause analysis on fraud events and recommend strategy changes.
• Update credit procedures and document changes.
• Deploy changes in the decisioning platform and build monitoring dashboards.
• Work the queue alongside the team, handling high-risk cases, velocity control reviews, transaction monitoring, and applications in group review.
• Decision cases during volume spikes to maintain service level agreements.
• Support Risk Operations by reviewing credit line increases/decreases, approving payment extensions, adjusting grace periods, activating high-risk categories, and handling other judgment-based decisions.
• Track delinquency and charge off by cohort and flag early policy change impacts.
• Own the risk stack end to end and hold vendors accountable for hit rate and cost per decision.

Requirements

• 4–8 years of experience in credit risk, fraud risk, or risk strategy roles, ideally in SME lending.
• AI-native mindset, utilizing AI tools for workflows, data analysis, and efficiency.
• True generalist, comfortable owning policy, investigations, and technical builds within the same week.
• Strong SQL skills and ability to independently analyze various data types.
• Hands-on experience configuring or building decisioning systems, risk workflow tools, or rules engines, or the technical ability to learn quickly.
• Humble, collaborative approach with a proven track record of working well across teams and with external partners and vendors.
• Excellent written and verbal communication skills, capable of turning ambiguous risk questions into clear recommendations.
• Practical and business-minded, smart, creative, and excited about the rewards and volatility of an early-stage venture-backed startup.
• New York City based and able to work in the office 3–4 days per week.

Skills

• Credit risk
• Fraud risk
• Risk strategy
• SQL
• Decisioning systems
• Risk workflow tools
• Rules engines
• AI tools
• Data analysis
• Communication

Location

• New York City

Work Type

• Hybrid

Experience Level

• Senior

Salary/Compensations

• $110,000 – $160,000 annually

Benefits

• Medical, dental and vision insurance
• Flexible paid time off
• Tools to help manage financial wellness
• Company-sponsored 401(k)
• Paid parental leave
• $400 accessories allowance
• Education stipend
• Free lunch every Friday
• Meaningful potential upside equity grant

About the Company

• Coast is re-imagining the trillion-dollar U.S. B2B card payments infrastructure, with a focus on commercial fleets, commercial vehicles, and commercial drivers.
• Incumbent technologies are decades old, and businesses with fleets demand modern digital experiences and transparent financial services products.
• Coast’s mission is to deliver this at a transformational scale, beginning with the Coast Fleet and Fuel Card built on a cutting-edge spend management platform.

Equal Opportunity

• Coast is committed to diversity, equity, and inclusion.
• We are building a diverse and inclusive environment, so we encourage people of all backgrounds to apply.
• We’re an Equal Opportunity Employer and do not discriminate on the basis of race, color, gender, sexual orientation, gender identity or expression, age, religion, disability, national origin, protected veteran status, or any other status protected by applicable federal, state, or local law.