Principal Business Analyst, Fraud

Role Description

We’re looking for a data-driven problem-solver with proven success investigating and identifying patterns in a highly analytical role in the consumer credit or lending industry, and solid familiarity with data analysis tools to join our Customer Operations team as a Principal Business Analyst, Fraud.

The Impact You'll Make:

• Drive forward our mission of empowering people to unlock financial progress by protecting our customers and our business from financial crime, reducing fraud losses, and improving the experience for our cardholders.
• Build and implement application fraud defense strategies that balance risk and a seamless customer experience.
• Gain end-to-end knowledge and practical experience in critical, high-impact risk strategies, positioning you as a trusted expert in the rapidly evolving fintech space.

As a Principal Business Analyst, Fraud, you will:

• Analyze and Investigate Fraud Trends:
  • Dive deep into application data to proactively identify emerging fraud patterns, uncover system vulnerabilities, and understand the evolving tactics used by criminals.
• Develop and Fine Tune Fraud Strategies:
  • Design, build, and implement new, real-time defenses to detect and prevent fraudulent applications.
  • Constantly test and refine our strategies to stay ahead of fraudsters.
• Balance Risk with Customer Experience:
  • Make thoughtful, data-backed decisions that strike the optimal balance between risk prevention and customer experience.
• Monitor and Report on Performance:
  • Create and maintain robust dashboards to track the performance of fraud strategies.
  • Responsible for reporting on key metrics like coverage, pause rates, step-up completion rates, defense performance, and losses.
• Optimize and Collaborate:
  • Work closely with our Operations, Product, Data Science, and Engineering teams to continuously improve fraud detection capabilities and strategies.

Qualifications

• 3+ years of experience in a highly analytical role (e.g., risk, business analytics, data science).
• Experience conducting analytical work with credit cards or other consumer lending products.
• Hands-on experience designing and executing A/B or Champion/Challenger testing within application or risk funnels.
• Proven ability to problem solve end-to-end: from framing the question and forming a hypothesis, to analyzing the data, to communicating and debating the answer with stakeholders.
• Familiarity with SQL, Python, or other tools for data analysis.
• Bachelor’s or Master’s degree in Economics, Finance, Engineering, Mathematics, or a similar quantitative field with a record of strong academic performance.

Requirements

• Direct experience in Fraud Strategy and Analytics.
• Expertise in SQL and Python.
• Experience helping scale a business in a fast-paced startup environment.

Benefits

• Annual full-time base salary range: $118,000-$135,000.
• Additional compensation in the form(s) of participation in our annual incentive program and equity.
• Comprehensive benefits plan, which includes:
  • Unlimited paid time off
  • 401(k) match
  • Monthly wellness stipend
  • Health/dental/vision insurance options
  • Disability coverage
  • Paid parental leave
  • Flexible spending account (for childcare and healthcare)
  • Life insurance
  • Remote-friendly work environment