Fraud Lead - Consumer Lending

Fraud Strategy & Architecture: Design, launch, and continuously refine first-party and third-party fraud typologies specifically tailored to our WhatsApp conversational lending ecosystem.

Payment & Repayment Analytics: Own repayment fraud, identity spoofing, and chargeback analytics for SNPL payments, proactively identifying exploit loops, synthetic identities, and implementing preemptive transaction blocks.

Unit Economics & Metric Ownership: Drive and hold direct accountability for core fraud metrics (e.g., net fraud rate, false positive ratios, challenge rates, chargeback-to-sales ratios) across the entire lending vertical without hindering conversion.

Decision Engine Architecture: Own rule design and logic orchestration within modern decision engines (e.g., Taktile, Provenir, Alloy) and partner with Data Science to deploy, monitor, and calibrate Machine Learning risk models in production.

Operational Policy Design: Partner closely with Operations and Engineering teams to design, optimize, and scale automated blocking protocols alongside efficient manual investigation workflows.

Regulatory & Compliance Liaison: Coordinate with Legal & Compliance to monitor, flag, and report Suspicious Activity Reports (SARs), loan abuse patterns, and system exploitation in alignment with regulatory standards.

Fintech & Lending Core: 4–5+ years of hands-on experience in Fraud Risk Strategy and Prevention, explicitly within consumer lending, Buy Now Pay Later (BNPL), digital wallets, or credit card ecosystems.

Data Analytics Mastery: Advanced skills in SQL (BigQuery, Snowflake, etc.) and data manipulation (Python/R or BI visualization tools) to extract, analyze, and model transactional logs independently with total autonomy.

Rule Engine & MLOps Exposure: Proven experience working with modern decision engines (such as Taktile, Provenir, Alloy, or similar) and deploying/monitoring machine learning risk models in live environments.

Investigative & OSINT Mindset: Deep understanding of emerging fraud attack vectors, account takeover (ATO), and synthetic fraud, with a track record of using data and OSINT techniques for threat detection.

Exceptional Cross-Functional Communication: Strong ability to translate complex fraud patterns and technical metrics into actionable business risks for C-suite executives, product managers, and engineering teams.

Extreme Ownership: A true builder mentality with an experimental spirit, capable of moving from high-level data insights down to policy execution with speed, precision, and zero hand-holding.

These are the applicable requisites, although equivalent competencies in any of the above will also be considered.

Competitive salary

Initial stock options grant

Annual performance bonus

401(k)

Work model: currently fully remote, with a future transition to a hybrid set up

Health, dental, and vision plans

Continuous learning opportunities

Unlimited PTO

Paid parental leave

Empowering opportunities for growth in a dynamic entrepreneurial environment