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Decision Scientist, Credit Risk

San Francisco, CA

At Pomelo, we're not just improving money transfer—we're transforming how families support each other across borders. As the first financial technology platform to combine consumer credit with international money transfer, we've eliminated fees, added rewards, and given immigrants a path to build credit while supporting loved ones back home.

Our mission is to increase financial access and empowerment for immigrants and their loved ones. Through our unique approach, customers can send up to $2,500 today and pay next month with no interest charges, while earning points they can convert into gifts for rides, food, and more. With industry-leading security, better exchange rates, and 24/7 support, we're making it easier than ever for families to stay connected and thrive.

We're a team of ~45 growing our San Francisco headquarters, inspired by our founder, Eric Frenkeil and backed by visionary investors and industry pioneers including Keith Rabois of Khosla Ventures (formerly of Founders Fund, Opendoor, Square), Kevin Hartz (Xoom and Eventbrite) of A* Capital, The Chainsmokers, The Weeknd, and more. Join us in building the future of borderless financial access and making it possible for families everywhere to send more love home.

Your Role

At Pomelo, we're excited to welcome a Decision Scientist to our Risk department! We value diverse perspectives and are looking for someone who can bring their unique skills to help us assess and manage credit risk. In this role, you’ll have a big impact by analyzing credit risk exposure, collaborating with different teams to improve our risk metrics, and developing machine learning models for credit and fraud risk. You’ll work closely with both internal and external partners to streamline our monitoring processes and contribute to our credit risk strategy and portfolio management in partnership with our Product and Finance teams.

What We’re Looking For

  • Experience: You have 5-8 years of experience in credit risk management or a related field.

  • Technical Skills: Proficiency in SQL and Python.

  • Credit Risk Expertise: Experience in formulating credit risk policies and making underwriting decisions.

  • Analytical Skills: Ability to assess customers' creditworthiness using diverse data sources and predictive analytics to set credit limits that balance growth with minimized risk.

  • Risk Monitoring: You’re skilled in monitoring and analyzing key loss indicators, identifying trends, and improving credit risk strategies to optimize approval rates, customer utilization, and loss performance.

  • Statistical and Analytical Tools: Proficiency in using statistical and analytical tools, including machine learning frameworks, for credit risk and fraud detection.

  • Organizational Skills: Strong organizational and project management skills, with experience managing multiple projects in a fast-paced environment.

  • Decision-Making: Ability to make sound, data-informed decisions in new and ambiguous situations with minimal guidance.

  • Reporting and Automation: Experience in supporting, building, and automating reports and operational processes.

  • Collaboration: Proven ability to work effectively with cross-functional teams, including Engineering, Data, Product, and Finance.

Bonus Points For

  • Growth Mindset: A passion for learning and growing, with a willingness to embrace challenges.

  • Fintech Experience: Experience in Fintech or startup environments is a plus but not required.

  • Education: An educational background in Finance, Economics, Statistics, Data Science, or a related discipline is beneficial but not a hard requirement.

At Pomelo, the total compensation package for San Francisco-based roles includes a salary range of $155,000 to $206,000, plus equity and a full benefits package. The final offer will be based on a variety of factors, including the candidate's skills, experience, and expertise.

Company Values

  • Earn the Trust of Our Customers
  • Be Relentless
  • Integrity in Every Language
  • Show Our Work
  • Leadership at Every Level

Benefits and Perks (FTE)

  • ❤️ A meaningful mission and an opportunity for direct societal impact. We’re putting real money back in the hands of the people who need it most and helping immigrants and their families realize the American dream.
  • 👥 An amazing team and culture. You’ll have peers from both top tech companies (e.g. Cash App, Google, Twitter, Uber) and other successful startups (e.g. Affirm, AfterPay, MemSQL). We empower each other to do great work and continue growing.
  • 💪 Opportunity for major impact, learning, and growth.
  • 🏥 Platinum-level health insurance (medical, dental, vision) — with 100% covered by the company for you and 50% for dependents. Assistance with life insurance. 
  • 👶 Parental leave for the primary or the secondary
  • 🌴 PTO: 3 weeks in your first year, 4 weeks thereafter, plus national holidays
  • ✈️ $1,500 annual travel stipend
  • 😌 $300 annual wellness stipend
  • 🚗 Pre-tax funds towards commuting costs
  • 🗺 Twice-a-year company retreats. Previous trips include skiing in Park City, getting sun and surf in Cabo, Mexico, and a cruise excursion to The Bahamas.
  • 🧳 After 4 years, eligible for a 4-week sabbatical
  • 🍽️ In Office Meals: Lunch, dinner, and snacks provided daily

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