Data Scientist - Fraud Prevention & Risk Analytics

About the Position We’re expanding our Fraud Prevention team and seeking a Data Scientist who will specialize in fraud detection and prevention. In this role, you’ll apply advanced analytics, machine learning, and statistical modeling to uncover fraud patterns, safeguard our customers, and protect Acima’s business. You’ll collaborate closely with fraud and data science teams to design proactive solutions, monitor portfolio health, and deliver insights that drive strategic decisions. The work you do will have immediate and lasting impact on both security and customer trust. Key Responsibilities Develop and deploy fraud detection models/strategies using Python and ML frameworks (Scikit-learn, XGBoost, etc.). Engineer and optimize fraud‑specific features (e.g., velocity checks, behavioral profiles, device/IP analysis). Monitor and analyze fraud trends to identify vulnerabilities and recommend improvements. Partner with Fraud Prevention Manager to design hybrid rules + ML fraud detection strategies. Share data‑driven insights with leadership to influence fraud risk strategy. Support chargeback dispute/management processes through analytical insights. Job Requirements / Qualifications Bachelor’s or advanced degree in Data Science, Mathematics, Computer Science, Statistics, or related field. 5+ years’ experience programming in Python (NumPy, Pandas, Scikit-learn, XGBoost). 2+ years’ experience with SQL. Experience with fraud prevention, detection, or risk analytics. Strong ability to balance fraud loss, customer experience, and portfolio performance. Excellent problem‑solving and independent work skills. Experience with fraud prevention platforms (e.g., Kount, CyberSource Decision Manager, Signifyd). Preferred Qualifications Understanding of chargeback dispute/management processes. Knowledge of fraud typologies (card fraud, identity theft, synthetic identity, etc.). Familiarity with advanced feature engineering for fraud detection. Master’s degree or higher in a quantitative discipline. Compensation and Benefits Competitive compensation and comprehensive benefits package: Full health benefits – Medical, Dental, Vision. 401(k) match (5%/4%). DTO (Discretionary Time Off). Health Savings Account (HSA) with company contribution. College tuition reimbursement program (STEM degrees). Unlimited use of LinkedIn Learning. On‑site gym and showers. Free car charging. Equal Opportunity Employer Upbound/Acima/Brigit are equal opportunity employers committed to ensuring that all employment decisions are made on a non‑discriminatory basis, and without regard to actual or perceived race. Upbound Group is an equal opportunity employer. #J-18808-Ljbffr