Freshers Jobs – Page 31

Director of Credit Risk

RemoteOK • Worldwide

About the Company Made’s mission is to help homeowners save time, money, and stress. It starts with Made Card - a credit card designed specifically for homeowners, with unmatched rewards on mortgage payments, home improvements, utilities, and essential purchases. Each swipe powers a personalized home management platform where users can manage home systems & appliances, stay ahead on upkeep, and get help - from AI-driven guidance to in-person services - exactly when they need it most. By bringing together financial tools, data, and trusted professionals, we give people more control, more savings, and more time to enjoy the place they call home. We’re partnered with leading national players in the residential homeownership space - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey. These partnerships let us reach millions of households across the country and deliver meaningful benefits to homeowners. Backed by top investors like Village Global, Jump Capital, Recharge Capital, and Soma Capital, our leadership team brings deep fintech, mortgage, and credit card experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley. We’re building the financial and engagement platform for the next generation of homeowners - one that puts the homeowner at the center, and redefines what it means to feel at home. About the Role The Director of Credit Risk will play a critical role in shaping and leading Made Card’s credit risk strategy across the customer lifecycle. You’ll drive underwriting, pricing, segmentation, and decisioning for our credit card product while overseeing performance of the credit portfolio. This role also owns the development and tracking of credit models and will lead Made Card’s Decision Science practice. What You’ll Do Underwriting & New Accounts: Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth. Deploy test and learn mechanisms. Have complete ownership of implementation of said strategies directly in the risk decision engine. Credit Policy & Segmentation: Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation. Pricing & Limits: Design pricing and credit limit frameworks to maximize risk-adjusted returns. Implement ongoing pricing and limit management strategies (penalty pricing, limit increases, reductions etc.) Model Decisioning: Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs. Portfolio Performance: Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability. Collections Strategy: Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs. Risk operations: Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans. Ideal Background 2+ years of experience in consumer lending or credit risk, with a proven track record in fintech environments. Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections Hands-on experience with credit risk models and credit bureau data (traditional and alternative). Strong technical acumen: pull data, analyze, create KPIs, create reporting tools (Python, SQL knowledge a plus) Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders. We understand that not everyone comes from a traditional background. If you are a rockstar with a non-traditional path, we'd love to talk to you! Nice to Have Experience in fintech, credit cards, real estate, or home services. Familiarity with compliance-heavy or regulated marketing environments. Passion for credit cards, rewards, or homeownership-related products. Benefits Base Compensation Band: $100,000–$110,000 (determined by experience, qualifications, and location) Compensation: Competitive salary with a meaningful stake in the company via equity Health & Well-being: We’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits Grow Together: Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback Mortgage Benefit: Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partners Play Together: Quarterly budgets for team and company outings. Use it for team swag, cooking classes, or team dinners! Generous Time Off: Flexible paid time off, sick days, and 11 company holidays Throughout the interview process, please remember that emails will only be from madecard.com emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to talent@madecard.com if you have any requests to verify the authenticity of an outreach. Made Card is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Made Card makes hiring decisions based solely on qualifications, merit, and business needs at the time.

Digital Marketing Designer

RemoteOK • Worldwide

Title: Digital Marketing Designer Reports to: Head of Design Location: Remote (CA) About Zenfolio Inc. Zenfolio Inc. offers multiple e-commerce solutions for photographers to showcase their work, manage their business, and build their brand. For almost two decades, Zenfolio Inc. has proudly served photographers around the globe. With team members hailing from all over the world with diverse backgrounds, personalities, and talents, Zenfolio Inc. prides itself on offering a truly unique work environment. You’ll be supported by bright and talented individuals who come together to work and play in a fun, collaborative, supportive and creative work environment. If you love photography and helping businesses succeed, then we’d love to hear from you! About The Role We’re looking for a team-centric Digital Marketing Designer to join our dynamic and quickly growing product team. The successful candidate will be comfortable working in a fast-paced Agile development environment. They will have the ability to translate business and user requirements into functional designs & build mocks. We need an individual that understands the constant change of requirements in a startup environment and comes with critical thinking skills to help the team create smart solutions in response to user feedback while helping us interpret and review research findings and work with us to explore multiple design solutions for different business features. Primary Responsibilities Participate in the formulation and maintenance of a style guide/design system. Creates Zenfolio marketing brand assets (email designs, promos, GTMs, social media content, and website designs). Combine creativity with an awareness of the design elements. A/B test designs for the best outcomes. Take data and qualitative feedback and apply it to their work. Other designing tasks as assigned What we’d like to see in our ideal candidate Must Haves BA or accreditation and 3+ years of experience in graphic design with a strong portfolio to show design skill and user thinking. Ability to translate written requirements into clean and accessible designs. Skills in email designs (promos and GTMs), social media content, website design, brand consistency, animated (gif) assets, swag, etc. Knowledge and skill in typography, illustration, photo use, color, sizing and production. Maintain brand guidelines (for all 3 brands) and ensure a coordinated, unified message and presence across brands, channels and countries. High attention to detail while helping others do the same. Ownership of your work and your projects, establishing work effort, and communicating progress proactively. Eager to research and learn in a self-directed way (always improving). Ability to organize and prioritize your work schedules and assignments. Critical thinking, problem solving and resolution. Able to work well with a wide range of people from different parts of a business. Experience using: Figma, Sketch, Canva, Asana, Slack, and Outlook. Comfortable using AI Tools to create and streamline work i.e. Gemini, Claude, Chat GPT. Nice-to-haves Previous experience designing for a SaaS brand or company (B2B and B2C). Video editing or motion graphics, basic HTML/CSS understanding (for email), photo editing/photography. Design experience for trade show display graphics and promotional materials (brochures and swag). Compensation The salary range for this position is CAD 65,000 to CAD 80,000 (median to high). Total compensation includes salary, annual bonus and comprehensive benefits coverage (Health, vision, dental and RRSP (with matching)) from day 1 of employment. Why you should work with us We are built on the values we believe in—ownership, collaboration, embracing change, impactful and simplistic. We move fast, solve important problems and continuously aim to do and be better. At Zenfolio, the work of every team member matters—whether it’s for our members, company, team, or culture—we all strive to make an impact with ideas that are better, smarter, and more innovative. Our team members make important decisions every day that have direct and tangible impacts on our users. As a remote-only organization (90+), we care deeply about fostering a company that our team is extremely proud to work for—a healthy organizational culture, competitive salaries, flexible work arrangements, great health benefits and other perks. We have an amazing team that will be eager to help you succeed in your role and grow in your career. What To Expect If this sounds like the right place for you, then get in touch! We can’t wait to meet you. Your resume will be reviewed by a human as soon as possible. Selected applicants will be invited for an initial screening with someone from our team, where we will converse about the role and the organization. We usually have 3 rounds of interviews - One 15-minute screening video call, followed by two 60-minute video calls. Estimated Timelines For Interviews Round 1: Between 1-2 weeks from the date of application Round 2: Between 3-5 weeks from the date of application Round 3: Between 6-8 weeks from the date of application Note: These are estimated timelines. We may be able to complete the rounds faster, or they may get delayed due to unavoidable circumstances. Studies have shown that women and people of colour are less likely to apply to jobs unless they meet every single qualification. At Zenfolio, we are dedicated to building a diverse, inclusive and authentic workspace, so if you are excited about this role but your experience aligns differently with some qualifications in the job description, we encourage you to apply anyway. You may be just the right candidate for this or other roles across Zenfolio. Zenfolio is proud to be an equal opportunity employer and is committed to building a work environment that is both diverse and inclusive. All qualified applicants are highly encouraged to apply and will receive consideration for employment regardless of race, religion, gender, gender identity or expression, sexual orientation, ethnicity, creed, disability, or age. We are committed to working with applicants requesting accommodation at any stage of the hiring process. Please note that while all our roles are remote, we are hiring for this role only in Canada and will not be sponsoring visas for this position. You must be located in and eligible to work in Canada to be considered for the role.

Area Sales Manager Michigan

RemoteOK • Worldwide

ABOUT US: Here at Garage Beer, we take light beer seriously and everything else lightly. We proudly embrace our role as the underdog in a category that often forgets beer is supposed to be fun. With a 200% growth in social media followers in just the last year and an expanding network of distribution, we continue to be the fastest growing beer brand in the country! No jargon, no ego, no overthinking it. Just crisp, easy drinking beer made for the garage and everywhere else. ABOUT YOU: You show up for the moments that matter, whether that’s collaborating with the team, building something new, or just making the day-to-day better. You’re dependable, self-aware, and easy to work with. At the end of the day, we’re not looking for perfection. We’re looking for real people who care about doing good work and having a good time. We don’t take ourselves too seriously and neither should you!   Job Title: Area Sales Manager Location: Remote in Michigan What We’re Looking For: We’re looking for someone who likes to put points on the board, and who can work collaboratively with business partners to get it done! The Area Sales Manager should align Garage Beer priorities with those of their distributors to build an Annual Business Plan, with an emphasis on aligned investment and execution priorities to achieve volume objectives. Then you’ll need to bring it to life via market presence and frequent in-person work-withs to ensure strong execution in the market. The role leads the defined territory for Garage Beer and will need to work collaboratively with teammates across chain and other functions to achieve their plans. This particular Area Sale Manager role will also lead a Field Sales Representative in the market – they will need to demonstrate strong leadership skills and the ability to set clear direction and the ability to hold the Field Sales Representative accountable for their execution. Key Responsibilities: Drive customer and solution-based selling with Distributors Direct and collaborate with assigned distributors on development of the annual distributor business plan (ABP) Bring Garage Beer marketing to life in the local market in partnership with distributors  Accountable for the analysis, segmentation and development of target account lists for Garage Beer distribution & display Accountable for execution of chain & independent distribution, feature and display within the market to drive volume performance across your assigned distributors Regular in-market work-withs to identify retail execution opportunities Lead a sales representative by demonstrating hard work, establishing clear priorities and holding them accountable to achieving those priorities Requirements: Bachelor’s degree or equivalent industry experience, with 3+ years in beverage, beer, distributor, supplier, or CPG sales Proven track record of driving sales growth Technical capabilities, or the capacity to learn, across various internal (VIP, Karma, etc.) and external (syndicated data, distributor reporting, etc.) data sources to identify business opportunities, generate insights and tell great, visual stories is a must This is a remote based role, with travel required primarily within the defined footprint of the role, but also with infrequent travel for Garage Beer or industry events Bonus Points If You: Lead and Take Ownership: You have prior people leadership experience Are a Beer Expert: You have direct experience in the beer or alcohol category and understand the unique pulse of this industry Have a Competitive, Team‑Focused Approach: You thrive in collaborative environments and bring a drive to win Enjoy Building New Markets and Processes: You’re energized by creating something new, not just maintaining what already exists Stay Curious: You naturally promote a culture of learning, always hunting for the next trend and digging for unconventional solutions to tough problems What We Offer: Impactful Work: Fast-moving environment where you can actually see your ideas come to life instead of getting stuck in layers of meetings Our Culture: A place where we’re building a fast-growing beer brand while making sure work is still fun Competitive Compensation: Base salary range $70,000 - $90,000 annually with incentive opportunities designed to reward annual achievement of desired business results and a $750 monthly car allowance Comprehensive Benefits: Currently, our medical, dental, vision, and short-term disability premiums are paid at 100% by Garage Beer. We also offer voluntary benefits and an EAP and are continually evaluating our benefit offerings Flexible Time Off: We offer a flexible PTO policy so you can take the time you need to recharge, in addition to company-observed holidays The salary range is our good-faith estimate at the time of posting. Please note that actual offers are determined by a combination of individual experience, specific skill sets, internal equity, and geographic location.Garage Beer is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for our team members.Â

Area Sales Manager Chicago

RemoteOK • Worldwide

ABOUT US: Here at Garage Beer, we take light beer seriously and everything else lightly. We proudly embrace our role as the underdog in a category that often forgets beer is supposed to be fun. With a 200% growth in social media followers in just the last year and an expanding network of distribution, we continue to be the fastest growing beer brand in the country! No jargon, no ego, no overthinking it. Just crisp, easy drinking beer made for the garage and everywhere else. ABOUT YOU: You show up for the moments that matter, whether that’s collaborating with the team, building something new, or just making the day-to-day better. You’re dependable, self-aware, and easy to work with. At the end of the day, we’re not looking for perfection. We’re looking for real people who care about doing good work and having a good time. We don’t take ourselves too seriously and neither should you!   Job Title: Area Sales Manager Location: Remote in Chicago, IL What We’re Looking For: We’re looking for someone who likes to put points on the board, and who can work collaboratively with business partners to get it done! The Area Sales Manager should align Garage Beer priorities with those of their distributors to build an Annual Business Plan, with an emphasis on aligned investment and execution priorities to achieve volume objectives. Then you’ll need to bring it to life via market presence and frequent in-person work-withs to ensure strong execution in the market. The role leads the defined territory for Garage Beer and will need to work collaboratively with teammates across chain and other functions to achieve their plans. Key Responsibilities: Drive customer and solution-based selling with Distributors Direct and collaborate with assigned distributors on development of the annual distributor business plan (ABP) Bring Garage Beer marketing to life in the local market in partnership with distributors  Accountable for the analysis, segmentation and development of target account lists for Garage Beer distribution & display Accountable for execution of chain & independent distribution, feature and display within the market to drive volume performance across your assigned distributors Regular in-market work-withs to identify retail execution opportunities Requirements: Bachelor’s degree or equivalent industry experience, with 3+ years in beverage, beer, distributor, supplier, or CPG sales Proven track record of driving sales growth Technical capabilities, or the capacity to learn, across various internal (VIP, Karma, etc.) and external (syndicated data, distributor reporting, etc.) data sources to identify business opportunities, generate insights and tell great, visual stories is a must This is a remote based role, with travel required primarily within the defined footprint of the role, but also with infrequent travel for Garage Beer or industry events Bonus Points If You: Lead and Take Ownership: You have prior people leadership experience Are a Beer Expert: You have direct experience in the beer or alcohol category and understand the unique pulse of this industry Have a Competitive, Team‑Focused Approach: You thrive in collaborative environments and bring a drive to win Enjoy Building New Markets and Processes: You’re energized by creating something new, not just maintaining what already exists Stay Curious: You naturally promote a culture of learning, always hunting for the next trend and digging for unconventional solutions to tough problems What We Offer: Impactful Work: Fast-moving environment where you can actually see your ideas come to life instead of getting stuck in layers of meetings Our Culture: A place where we’re building a fast-growing beer brand while making sure work is still fun Competitive Compensation: Base salary range of $80,000 - $100,000 annually with incentive opportunities designed to reward annual achievement of desired business results and a $750 monthly car allowance Comprehensive Benefits: Currently, our medical, dental, vision, and short-term disability premiums are paid at 100% by Garage Beer. We also offer voluntary benefits and an EAP and are continually evaluating our benefit offerings Flexible Time Off: We offer a flexible PTO policy so you can take the time you need to recharge, in addition to company-observed holidays The salary range is our good-faith estimate at the time of posting. Please note that actual offers are determined by a combination of individual experience, specific skill sets, internal equity, and geographic location. Garage Beer is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for our team members. Â