POSITION OVERVIEW:We are seeking a strong, hands-on Senior Analyst with deep experience in the payments space to join the Analytics team in San Jose. This role will focus on driving insights and strategies across credit/debit card payments and fraud, partnering closely with product, risk, and business stakeholders.
You will use your expertise in SQL, Tableau, and analytical problem solving to identify trends, diagnose issues, and recommend data-driven solutions that improve authorization rates, reduce fraud losses, and enhance customer experience.
RESPONSIBILITIES:- Analyze large-scale transaction, user, and behavioral data to identify fraud patterns, emerging attack vectors, and payment risks.
- Develop, refine, and monitor fraud strategies, rules, and policies to reduce losses while minimizing customer friction.
- Build and track key fraud and payment performance metrics (e.g., chargeback rates, false positive rates, approval rates, loss rates).
- Partner with product, engineering, operations, and data science teams to design and implement fraud controls and payment risk solutions.
- Conduct deep-dive investigations into fraud incidents and payment anomalies; provide clear root-cause analysis and recommendations.
- Support experimentation (A/B tests, rule changes, model deployments) and measure impact on fraud loss, customer experience, and operational cost.
- Create clear, concise dashboards and reports for stakeholders and leadership, highlighting trends, risks, and opportunities.
- Stay current on industry fraud trends, tools, and regulatory considerations relevant to digital payments and e-commerce.
PREFERRED PROFILE: - 5+ years of total analytics experience in the payments space (India + USA experience both count), ideally within card networks, issuers, acquirers, PSPs, or large fintechs.
- Strong domain exposure to credit/debit card payments; fraud/risk analytics experience strongly preferred.
- Advanced proficiency in SQL (complex joins, window functions, performance optimization).
- Strong hands-on experience with Tableau (or similar BI tools) for dashboarding and data visualization.
- Proven track record in at least one of the following areas:
• Modelling (risk/fraud/propensity/segmentation)
• Business Intelligence / Reporting
• Strategy / Product Analytics
- Demonstrated ability to structure ambiguous problems, perform rigorous analysis, and drive to clear recommendations.
- Strong communication skills with the ability to influence cross-functional stakeholders.
- Bachelor's degree in a quantitative field (e.g., Statistics, Mathematics, Economics, Engineering, Computer Science) or equivalent practical experience.
- Experience in a global payments or large-scale fintech environment (e.g., card networks, major banks, PSPs).
- Familiarity with fraud tools, risk decision engines, or chargeback processes.
- Experience with experimentation (A/B testing) and causal inference methods.
- Exposure to Python/R or similar for advanced analytics or modeling.
- A master's degree in a quantitative discipline is a plus.
Personal Attributes Desired: - Data-driven, detail-oriented, and intellectually curious.
- Comfortable working in a fast-paced, evolving environment.
- Collaborative mindset with the ability to work effectively across functions and geographies.
- Ownership mentality and bias for action; able to drive initiatives from concept to execution.
LOCATION: San Jose, CA (Hybrid)
Job ID# 3601349
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