PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
The Fraud Analytics Analyst is responsible for leveraging data analytics to set a fraud strategy that serves as a competitive advantage, providing the right balance between a seamless user experience and great fraud controls.
Responsibilities
Analyze large datasets to identify trends, patterns, and indicators of fraud, focusing on both broad fraud trends and specific areas such as credit card and transactional fraud.
Develop and refine fraud detection models and algorithms to improve detection rates and false positives.
Drive research projects through all its phases, from inception to deployment and impact assessment.
Prepare and present analytical reports on fraud trends, findings, and the effectiveness of fraud prevention strategies.
Write queries, design, build and maintain dashboards and visualizations to monitor randomized experiments and key metrics.
Continuously quantify the impact in gross margin of fraud initiatives, size the economic opportunity of product vulnerabilities and process inefficiencies.
Work cross functionally with stakeholders in Data Science, Fraud Operations, Product, and Go-to-market.
Requirements
Bachelor’s degree in applied quantitative field, such as statistics, economics, mathematics, etc.
1-2 years of work experience with transactional fraud in credit lending and credit cards, working in the telecom industry and a fast-paced and rapidly changing environments.
Strong SQL competencies, and experience with statistical programming languages such as R or Python.
Excellent written and oral communication skills, summarize and communicate technical analysis to broad audiences.
Strong analytical skills and who are curious by nature.
Results-oriented and feels comfortable working both autonomously and in heavily cross-functional environments, taking full ownership of his/her own projects.
Benefits
100% Company-funded Health and Life Insurance for employees and immediate family members
Indefinite-term contract
20 days of vacations
Phone finance, Headphone, home office equipment and fitness perks.
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk
PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
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