Director of Card Fraud

JOB TITLE: Director of Card Fraud

LOCATION: Remote - U.S.

REPORTS TO: Chief Customer Officer

The Company:

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

 The Role:

We're hiring for a high-aptitude, experienced, and action-oriented leader to lead Sunbit’s fraud prevention efforts for the Credit Card business (300k existing accounts, 100-200k+ new originations per year). This leader will be responsible for loss, friction, opex, and customer experience metrics across multiple card programs including an invitation-only program for Sunbit customers and several public programs through cobranded partnerships including invitation-to-apply, in-store, and online acquisition channels. As the Director of Card Fraud, you’ll define the strategy, roles, and chair the cross functional team across Decision Science, Analytics, Product, and Operations. This is an individual contributor role with the potential to build an organization of 1-3 specialists depending on needs and performance. Reports to Chief Customer Officer and member of the Customer Organization senior management team and Card Business Unit senior leadership team.

REQUIREMENTS

What You’ll Own:

• Lead strategies reduce fraud losses across the credit card lifecycle with a heavy emphasis on origination and the first 30 days, while balancing onboarding friction, operating expenses, and customer experience
• Chair the cross-functional Card Fraud Business Area with team members from operations, product, engineering, decision science, analytics, risk management, compliance, and finance
• Partner closely with Decision Science team to evaluate performance, develop new approaches, and lead efforts on the acquisition of high-performing data sources
• Accountable for overall card fraud performance and financial targets



What You’ll Bring:

• Great executor, knows the skills to “get things done” in fluid, fast-moving organizations
• Player/coach who confidently transitions between tactical execution and long-term strategy, both as a direct contributor and builder/leader of teams
• Strong people relator and builds influence and relationships across the organization
• Highly quantitative, aligns the teams with facts and information to inform decisions
• High aptitude, horsepower, and drive
• Fraud risk management experience in a fast growing consumer lending business; proven ability to “own a loss target” and manage it effectively; practical expertise on strategies to manage risk for fully-digital consumer lending origination

Nice to Have:

• Bonus: With a fintech
• Bonus: With credit cards
• Demonstrated success working in a matrixed organization and partnering with a strong data science / decision science / fraud analytics team
• Bonus: Practical/operating understanding of statistical modeling
• Double bonus: Practical/operating understanding of machine learning principles
• Demonstrated understanding of the best practices and leading third-party solutions in the fraud data space, including credit bureaus, public records, network risk scores, digital identity and footprint, etc.
• Bonus: Vendor management skills; knows how to negotiate and drive effectiveness with data suppliers and partners
• Bonus: Experience in credit card transaction risk modeling
• Double bonus: Experience operating on Fiserv Defense Edge platform for credit card transaction risk modeling

The Perks:

• Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024)
• Mission driven + empowered + collaborative
• Competitive pay and stock options
• Unlimited PTO
• Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Parental Leave
• Newly added HSA and Pet Insurance
• 401K Plan with Matching
• Cell Phone Stipend
• Team based strategic planning + Team owned deliverables

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.



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, through our applicant tracking platform @sunbit.comeet-notifications.com 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.

We ask that you contact [email protected] only about potential instances of fraud. [email protected] does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to [email protected] directly, and your email about your application will be deleted from our systems.



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