---
title: 'Risk Operations Specialist at Parafin'
canonical: 'https://feeny.ai/job/risk-operations-specialist-parafin-san-francisco-qtx7rzs0rc2z'
type: 'job'
last_seen: '2026-10-14'
---

# Risk Operations Specialist at Parafin

- **Company:** Parafin
- **Location:** San Francisco, CA
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-09-25
- **Last confirmed live:** 2026-10-14
- **Apply:** https://jobs.ashbyhq.com/parafin/12788453-583e-49ed-b158-debc442ad2fb

## Job description

About Us: At Parafin, we’re on a mission to grow small businesses.

Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on.

We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners.

We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities.

Join us in creating a future where every small business has the financial tools they need.

## About the Position

We are looking for a Product Operations Specialist to help us scale operations and grow our capital products. This role will be a critical operator of the company's product suite by providing a positive experience for the small businesses we support. You will be responsible for running and building best-in-class processes for payments and fraud. You will become an expert on Parafin’s Capital products, digging deep into the details to solve problems, and being an on-the-ground operator to support day-to-day functions, from troubleshooting payment issues to data analysis to building documentation. Are you an adaptable all-rounder who is passionate in building at scale, while enjoying rolling up your sleeves to get the job done? Are you excited to work collaboratively at a fast-growing startup to help grow small businesses? If so, come join us!

What You’ll Be Doing:

- Assist in developing operational solutions to help evaluate complex business risk issues in a fast-paced environment
- Find solutions to automate and streamline ops processes, leading efforts to build in-house or finding external vendors
- Conduct reviews to assess risk factors for high-priority merchants
- Troubleshoot and resolve payment issues with our merchants, while providing high-quality service via email and phone
- Manage cross-functional work streams with our customer support, data science, compliance, and engineering teams to improve the merchant experience and grow capital originations
- Review current processes and provide feedback on how to improve product operations and Parafin as a whole
- Work closely with our partners to identify areas of risk and investigate fraudulent behavior
- Use data-driven analysis to identify areas of optimization and growth

What We’re Searching For:

- 3 - 5 years of work experience
- 2 - 3 years of operational experience working in a fintech startup, bank, or payments company
- Strong understanding of payments
- Excellent communication skills
- Strong quantitative / detail-oriented background
- Thrive in an entrepreneurial environment

We Prefer If You Have:

- Experience with fraud/ risk management
- Strong understanding of, or desire to learn, about a capital or lending product
- Fluency in, or desire to learn, data analysis skills and tools, such as SQL / R / Python

## What We Offer

- Salary Range: $118k - $123k
- Equity grant
- Medical, dental & vision insurance
- Unlimited PTO
- Work-from-home flexibility
- Commuter benefits
- Free lunches
- Paid parental leave
- 401(k)
- Employee assistance program

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us.

## About Parafin

## Company Overview
- **One-liner**: Parafin is a financial infrastructure company that provides platforms with embedded financial products for small businesses.
- **Entity Type**: Private (Line of Credit – II; total raised $412M)
- **Headquarters**: San Francisco, California, United States
- **Founded**: 2020
- **Founders**: Sahill Poddar, Vineet Goel, Ralph Furman

## Core Business
- **Primary industry**: Embedded finance / Fintech infrastructure
- **Target customers**: B2B – marketplaces, vertical SaaS platforms, and payment processors that serve small businesses
- **Mission / purpose**: “Power the financial services of platforms so small businesses can run and grow themselves despite uncertain economic conditions.”

## Products & Services
- **Capital**: White-labeled working capital financing for small businesses. Offers are pre-approved, disbursed in as little as 24 hours, with no interest or late fees. AI-powered underwriting trained on over 1 billion cross-industry data points.
- **Pay Over Time**: A payment method that allows end customers to pay over time, helping platforms grow their bottom line.
- **Spend**: A spend card program that turns everyday customer spend into revenue and loyalty for the platform.

## Market Standing
- **Valuation / Market Cap**: Not publicly disclosed
- **Key Metrics**:
  - Total funding: $412M (latest round: Line of Credit – II in 2026)
  - Extended over $25 billion in offers to hundreds of thousands of businesses
  - Over 50,000 businesses funded
- **Notable Investors / Partners**: Ribbit Capital, Thrive Capital, GIC, Notable Capital, Redpoint Ventures; also Trinity Capital, Silicon Valley Bank, EverBank, Cross River. Platform partners include DoorDash, Amazon, Worldpay, Walmart, and Mindbody.
- **Growth Signals**:
  - Ranked #10 on the 2025 Deloitte Technology Fast 500
  - Ranked #13 on the 2025 Inc. 5000 list
  - Named to the 2026 Forbes Fintech 50
  - Recognized as one of “America’s best startup employers (2026)”
  - Expanded warehouse credit facility with Silicon Valley Bank, EverBank, and Trinity Capital (May 2026)

## Competitive Advantages
- **AI-powered underwriting** that continuously improves using over 1 billion data points, enabling high approval rates and pre‑approved offers.
- **White‑labeled, deeply integrated UI** that feels native to the platform partner.
- **Fast capital deployment** – funds in as little as 24 hours with no interest or late fees.
- **Trusted by leading platforms** (DoorDash, Amazon, Worldpay, Walmart) providing strong distribution and credibility.

## Strategic Focus
- Expand the suite of embedded financial products (Capital, Pay Over Time, Spend).
- Deepen partnerships with platforms and payment processors to reach more small businesses.
- Continue to invest in AI/ML underwriting to improve approval rates and risk management.
- Scale the warehouse credit facility and debt capacity to support growing loan origination.

## Why Work Here
- **Culture & values**: Accountability, Efficiency, Empathy, Intellectual Honesty. Emphasis on seeking truth, giving feedback, and being results-oriented.
- **Benefits**: Unlimited PTO, medical/dental/vision insurance, 401(k) plan, commuter benefits, free in-office lunches, HSA & FSA options, paid parental leave, pet insurance discount, mental health & well-being resources, coffee chat allowance, peer recognition program, free equity tax advising.
- **Work environment**: Office‑first in San Francisco (301 Howard Street). Roles span Engineering, Data Science, Design, Finance, Marketing, Operations, Platform Growth, and Sales.
- **Recognition**: Named “America’s best startup employers (2026)” and “Fintech Innovation 50,” indicating strong employee satisfaction and industry impact.

## Sources
1. [parafin.com](https://www.parafin.com/) – Official website
2. [parafin.com/about](https://www.parafin.com/about) – About page
3. [parafin.com/careers](https://www.parafin.com/careers) – Careers page
4. [jobs.ashbyhq.com/parafin](https://jobs.ashbyhq.com/parafin) – Open roles
5. [cbinsights.com](https://www.cbinsights.com/company/parafin) – CB Insights company profile

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