About the RoleAs our
Senior Fraud Analyst for Consumer Lending, you will be the gatekeeper protecting the unit economics of our Send Now Pay Later (SNPL) product. This is a high-visibility hybrid role reporting directly to the Head of Credit Risk, with a dotted line into our broader Fraud Organization. You will be responsible for defining, detecting, and mitigating fraudulent behaviors at the intersection of instant conversational interfaces (WhatsApp) and digital lending. We need an autonomous data specialist who can build prevention frameworks from scratch, identify sophisticated attack vectors, and ensure that our growth remains highly secure and profitable.
Responsibilities- Fraud Definition & Mitigation: Define first-party fraud typologies specific to our conversational lending product and execute data-driven strategies to minimize exposure over time.
- Payment & Chargeback Analytics: Own repayment fraud and chargeback analytics for SNPL payments, identifying trends, exploit loops, and implementing preemptive transaction blocks.
- KPI Ownership: Drive and manage key fraud metrics (e.g., fraud rate, false positive ratios, chargeback-to-sales ratios) across the entire lending vertical.
- Operational Policy Design: Partner closely with the Operations team to build, optimize, and scale automated block and manual investigation policies.
- Advanced Risk Tooling: Liaison with the central Fraud and Data teams to build/refine Machine Learning models and orchestrate dynamic rules within our Taktile decisioning workflows.
- Regulatory & Compliance Liaison: Coordinate with the Legal & Compliance team to monitor, flag, and report Suspicious Activity Reports (SARs), loan abuse patterns, and system exploitation.
Requirements- Fintech & Lending Core: 4+ years of hands-on experience in Fraud Risk Management, explicitly within consumer lending, digital wallets, or buy-now-pay-later (BNPL) ecosystems.
- Data Analytics Mastery: Highly autonomous and advanced skills in SQL and data manipulation (Python/R or BI visualization tools) to extract and analyze transactional logs without needing hand-holding.
- Rule Engine Architecture: Prior exposure or experience working with modern decision engines (such as Taktile, Provenir, or similar) and deploying machine learning risk models.
- Exceptional Communication: Strong cross-functional communication skills; ability to translate complex fraud patterns into clear business risks for operations, compliance, and engineering.
- Extreme Ownership: A true builder mentality with an experimental spirit, capable of moving from data insights to policy execution with speed and absolute autonomy.
- These are the applicable requisites, although equivalent competencies in any of the above will also be considered.
What We Offer- Competitive salary
- Initial stock options grant
- Annual performance bonus
- Health, dental, and vision plans
- Remote work environment, although we have offices in Miami and México City and would love to work in hybrid model if you are up to it.
- Continuous learning opportunities
- Unlimited PTO
- Paid parental leave
- Empowering opportunities for growth in a dynamic entrepreneurial environment
