Associate, Credit Risk

About the Company

Gemini is a global crypto and Web3 platform founded by Cameron and Tyler Winklevoss in 2014, offering a wide range of simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. Our mission is to unlock the next era of financial, creative, and personal freedom by providing trusted access to the decentralized future. We envision a world where crypto reshapes the global financial system, internet, and money to create greater choice, independence, and opportunity for all — bridging traditional finance with the emerging cryptoeconomy in a way that is more open, fair, and secure. As a publicly traded company, Gemini is poised to accelerate this vision with greater scale, reach, and impact.

The Department: Credit Risk

The Role: Associate, Credit Risk

Gemini is hiring for an Associate, Credit Card Risk to be part of the risk management function. You’ll use SQL (and optionally Python) to analyze portfolio performance, implement rules, build monitoring, and prepare clear data-driven recommendations. This is a hands‑on role supporting senior risk leaders and partnering with Product, Engineering, Data, Operations, Compliance, and Collections to ship safe, customer‑friendly credit experiences. The role provides an exciting opportunity to understand and build risk infrastructure of an evolving asset class and products.

This role is required to be in person twice a week at either our New York City, NY or San Francisco, CA office.

Responsibilities:

• Execute analyses to inform underwriting rules, cutoffs, policies, and operational flows for Gemini’s credit card product
• Translate ambiguous questions into well‑scoped queries and concise findings; propose data‑backed next steps
• Build and maintain daily/weekly dashboards and reports for KRIs/KPIs (approval, utilization, delinquency, roll rates, charge‑offs)
• Partner with Product/Engineering/Data to implement rules and thresholds in decisioning systems; validate inputs/outputs and run A/B or champion/challenger tests
• Run post‑implementation reviews of strategy changes; identify drift, stability issues, and quick optimizations
• Prepare ad‑hoc analyses and management readouts that tell a clear analytical story
• Document change logs, assumptions, and expected impacts
• Communicate clearly with Product, Operations, Engineering, Data, Compliance, Collections, and Fraud to triage issues, refine requirements, and close the loop on outcomes

Minimum Qualifications:

• Bachelor’s degree in a related field or commensurate work experience
• 3-5 years of credit card risk experience
• Experience with relational databases and SQL
• Strong data communication skills
• Great verbal, written and communication skills
• Roll-up-the-sleeves, no-task-is-too-small-attitude - willingness to do what’s necessary to ensure the safety of our customers

Preferred Qualifications:

• Data visualization using Business Intelligence tools (e.g. Tableau, Looker etc.) is a huge plus
• Python experience is a plus

• Competitive starting salary
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental Leave
• Flexible time off

Salary Range: The base salary range for this role is between $82,500 - $110,000 in the State of New York, the State of California and the State of Washington. This range is not inclusive of our discretionary bonus or equity package. When determining a candidate’s compensation, we consider a number of factors including skillset, experience, job scope, and current market data.

In the United States, we offer a hybrid work approach at our hub offices, balancing the benefits of in-person collaboration with the flexibility of remote work. Expectations may vary by location and role, so candidates are encouraged to connect with their recruiter to learn more about the specific policy for the role. Employees who do not live near one of our hubs are part of our remote workforce.

At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace. If you have a specific need that requires accommodation, please let a member of the People Team know.

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