Applied Data Finance - Senior Manager - Fraud Analytics

Role Summary

We are seeking a strategic and hands-on Senior Manager to lead our Fraud Strategy function. This person will own the development and performance of fraud models and scorecards, work closely with cross-functional partners to define fraud policies, and ensure effective collaboration with our fraud operations team. The ideal candidate combines strong analytical skills, a solid understanding of fraud typologies in consumer lending, and a pragmatic approach to implementation.

Key Responsibilities

- Lead fraud strategy for the lending portfolio, balancing risk mitigation with customer experience and approval rates.

- Develop and maintain fraud detection models and anomaly detection systems using internal and third-party data.

- Manage fraud scorecard performance and recommend model improvements or policy changes as needed.

- Collaborate with fraud operations to monitor real-time fraud trends and adapt policies dynamically.

- Partner with product, data engineering, and external vendors to evolve fraud detection infrastructure.

- Provide regular fraud performance reporting and deep dives for senior leadership

- Act as subject matter expert on fraud data, model outputs, and cross-channel vulnerabilities.

Qualifications

- 5-8 years of experience in fraud strategy, analytics, or credit risk in financial services or fintech.

- Strong understanding of identity fraud, synthetic fraud, first-party fraud, and third-party fraud patterns.

- Hands-on experience with fraud models, machine learning tools, and scorecard management.

- Advanced proficiency in SQL and Python for data analysis and modeling.

- Experience working with third-party fraud data providers and integrating fraud rules or signals into decision engines.

- Ability to communicate insights and recommendations clearly to technical and non-technical stakeholders.

- Exposure to US consumer lending regulations and risk management practices preferred.