Sunbit builds financial technology for real life. Our technology eases the stress of paying for life’s expenses by giving people more options on how and when they pay. Founded in 2016, Sunbit offers a next-generation, no-fee credit card that can be managed through a powerful mobile app, as well as a point-of-sale payment option available at more than 25,000 service locations, including auto dealership service centers, optical practices, dental offices, veterinary clinics, and specialty healthcare services. Sunbit was included on the 2022 Inc. 5000 list. The financial technology company has also been named Sunbit as a Most Loved Workplace®, Best Point of Sale Company, and a Top Fintech Startup by CB Insights.
We use cutting-edge innovations in financial technology to bring leading data and features that allow individuals to be qualified instantly, making purchases at the point-of-sale fast, fair, and easy for consumers from all walks of life. We create value focused on our core values; we work tirelessly to ensure that Sunbit becomes available to everyone, everywhere.
We invite you to #UnleashyourCuriosity and join our ever-growing R&D organization.
What You’ll Do
As the Card Risk Lead, you will manage a mission-critical team central to the Credit Card, Sunbit’s flagship product, that is responsible for developing and implementing Sunbit's core risk management strategies. Leading a dynamic team of backend engineers and AI/ML specialists, your contributions will directly impact Sunbit’s key performance indicators and overall success.
This position is both strategic and hands-on, involving the architecture and implementation of scalable systems that power the core financial risk of the Card product.
This is a unique opportunity to join a fast-growing fintech company, influence the product at its core, and shape the way credit and risk are managed across our platform.
Among your key responsibilities, you will lead a highly skilled team that architects and builds scalable systems that detect and mitigate financial risks in real time.
- Work closely with the business and senior leadership.
- Collaborate with cross-functional teams, including AI/ML engineers, product managers, analysts, and other engineering squads, to align risk management strategies with business goals.
- Proactively maintain the stability, security, and adaptability of the financial risk management systems.
- Leverage data analysis and insights to ensure alignment with the company’s growth and evolving business needs.
- Respond quickly and proactively to emerging trends, delivering fast, impactful solutions that protect the product's financial success.
Requirements
- B.Sc in computer science or equivalent.
- Experience managing a team (preferably 3+ years) and leading projects hands-on from start to finish (preferably 8+ years, focusing on system architecture).
- Proficiency in modern system architecture with large-scale and high performance.
- Impact driven - use data to make sure every task moves the needle and utilize your resources to maximize the team's impact.
- Team player, with strong communication skills and someone who thrives working in a fast-paced environment.
- Creative, solution-oriented, and able to maintain a ‘can do’ attitude, with the ability to work efficiently under pressure and uncertainty. Adapt quickly to changing business needs.
- Passion for data.
- Experience with microservices architecture
- Fluent in English.
Preferred Experience:
- Experience with software development in Python.
- Experience with cloud technology.
- Experience in managing data specialists (AI/ML engineers, analysts).
Recruitment Fraud Disclaimer
We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at [email protected] to confirm.
Top Skills
What We Do
Sunbit is the preferred buy now, pay later technology of service providers and retailers fulfilling the needs of thousands of local communities. Sunbit eases the stress of buying everyday things by offering access to fast, fair and transparent payment options to people across the credit spectrum. Sunbit technology is offered in-store and online through more than 7,300 locations, including 1 in 4 auto dealership service centers, optical practices, dentist offices and specialty health care services. Payment options through Sunbit can be found at these establishments www.sunbit.com/shop-directory
Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit.
Why Work With Us
Sunbit technology is used to reduce the stress from daily purchases by helping shoppers realize the full potential of their buying power while providing local businesses with tools to sell easier. With experts in machine learning, retail, and financial services, we’re trailblazing new technology that helps lenders open the door to fair financing.
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