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 Credit Risk Analyst at Mudflap, you will help develop the approval and credit limit policies for Mudflap’s fleet card product.

This role involves a hybrid work approach, balancing in-office collaboration with the ability to work remotely.

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):

A committed team on a mission to change a massive industry for the better
A high bar for quality and commitment to self-improvement
An open mind to new ideas and methodologies
Competitive salary and benefit options
Opportunities and support for major career growth

The salary range for this role is $127,000 - $172,000. 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 candidates skills, experience, and other relevant factors will determine the exact compensation. This position may also be eligible for additional incentives such as equity awards or short-term incentives. Our benefits include medical/dental/vision insurance, 401(k) with company match, WFH stipend and PTO.

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