Senior Staff Fraud & Risk Analyst

What you'll do

• Own end-to-end lending fraud strategy and policy for Term Loan, Line of Credit, and Revenue Based Financing products.
• Design and tune detection systems for synthetic identity, account takeover, first-party fraud, and bust-out rings.
• Lead complex forensic investigations of multi-product fraud rings and translate findings into permanent policy updates.
• Partner with Data Science to develop ML detection models and AI Agent automation for case reviews.
• Set risk strategies for new lending initiatives by balancing revenue enablement against fraud loss and customer experience.
• Collaborate with Finance on loss forecasting, loss reserves, and unit economics to inform lending decisions.
• Manage risk operations workflows, including fraud-hold enforcement and portfolio cleanup after ring detection.
• Communicate complex fraud strategy decisions and regulatory risks to senior leadership and financial partners.

What we're looking for

• MS/PhD in a quantitative field such as Statistics, Mathematics, Economics, Operations Research, or Finance.
• 7+ years of experience in fraud analytics, credit risk, or data science.
• Fintech or lending experience with hands-on ownership of fraud strategy for a lending product (preferred).
• Working knowledge of the full risk-control stack including fraud detection, underwriting, loss forecasting, and loss reserves.
• Demonstrated experience in ML-based detection and statistical modeling, including scorecard development, anomaly detection, and feature engineering.
• Proficiency in SQL and Python with experience in Databricks, Hive, Hadoop, and modern data platforms.
• Polished communication skills to articulate complex fraud strategy trade-offs to senior leadership and non-technical stakeholders.
• Demonstrated ability to manage complex, cross-functional projects in fast-paced and ambiguous environments.