Senior Credit Risk Analyst

Mudflap serves the $800B trucking industry, the backbone of the U.S. economy. Our market-leading payment products help truckers save thousands of dollars on fuel (their #1 business expense), while providing our fuel stop partners with access to new, hard-to-reach customers. We’re a fast-growing marketplace business looking for a new customer-obsessed teammate to join us on this exciting journey. As a Senior Credit Risk Analyst at Mudflap, you will help develop the approval and credit limit policies for Mudflap’s fleet card product. Work Location: We value in-person connection and have offices in both Palo Alto, CA and Austin, TX. While we prefer candidates located in these hubs for occasional meetings and team collaboration, we are open to remote team members who can travel periodically if needed. To support our team, we offer: Commuter benefits to ease your travel Lunches and snacks to keep you fueled A collaborative, high-growth environment where you’ll work closely with talented teammates across the company Expectations (In this role, you will): Successfully grow the Mudflap Fuel Card product while managing the profitability of the portfolio Ensure that the loss rates of the Mudflap Fuel Card align with risk appetite and profitability goals Determine KPIs to assess the success of the Mudflap Fuel Card Develop and implement policies and procedures that reduce credit and fraud risk for Mudflap Develop repayment and collection strategies to improve the recovery of delinquent accounts Partner with operations and product teams to implement credit and collections strategies Develop next generation credit risk financial models and best-in-class monitoring framework Shape the future of our credit card/credit program using various tools and methodologies: multi-product internal data, credit bureaus and alternative data sources Partner with the leadership and product teams to develop and launch new credit products as Mudflap expands its offerings Experience (What we look for): Strong technical knowledge of SQL/Python/Excel 5+ years in Data/Business/Financial Analysis Experience in mobile payments or financial technology strongly preferred Exceptional problem-solving skills Solid understanding of lending procedures Excellent analytical skills, with the ability to create and process financial spreadsheets Ability to develop and foster strong cross-functional partnerships Action bias and willingness to work in a dynamic environment Demonstrated exceptional ownership of not only your work but also the business outcomes Perks and Benefits (What we offer): Competitive salary and equity in a high-growth startup Multiple health benefit options Responsible Time Off 401(k) matching Opportunities and support for major career growth Annual Company offsite event (Mudfest!) The salary range for this role is $155,000 - $180,000. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidate's skills, experience, and other relevant factors will determine the exact compensation. Company overview (Who we are): Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affirm and Brex. Here are the core values that we believe in and look for in new teammates: Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do Make it Count: Act like an owner by focusing on the impact of your work Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates Sweat the Details: We keep our standards high and achieve them by paying attention to every detail Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what’s possible