About PayJoy

PayJoy is a mission-driven company dedicated to helping a billion people around the world step into the modern financial system for the first time and supporting them on a path to financial success. Founded in 2015, PayJoy's "secret sauce" technology turns a smartphone into collateral to jumpstart unbanked consumers into the credit system. We reached profitability in 2020, reaching 8 million happy customers and over a billion dollars of sales in 2023.

This Role

The fraud strategy team is looking for a talented and motivated fraud analyst. This position is responsible for conducting complex data analysis to detect and prevent fraud attacks, working collaboratively with data science, product and operations. The fraud analyst is expected to continuously expand rapid automated detection of fraudulent entities across our portfolio.

We are looking for candidates with strong analytical skills and who are curious by nature. They are willing to get to the bottom of investigations and find the root cause of fraud spikes, but also work on multiple projects simultaneously, meeting deadlines and staying up to date with fraud trends and metrics across different products and markets.

The ideal candidate is results-oriented and feels comfortable working both autonomously and in heavily cross-functional environments, taking full ownership of his/her own projects.

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 relevant work experience.
• Strong SQL competencies, and experience with statistical programming languages such as R or Python.
• Excellent written and oral communication skills. The candidate can summarize and communicate technical analysis to broad audiences.
• Experience working with transactional fraud in credit lending and credit cards.

Desirable qualifications

• Experience working with transactional fraud in credit lending and credit cards.
• Experience working in the telecom industry.
• Experience working in collaborative code writing.
• Experience working in fast-paced and rapidly changing environments.
• Capable of working with minimal supervision.

Benefits

• Company-funded Health and Dental Insurance for employees and immediate family members
• Life insurance
• 30 days of Christmas bonus
• 20 days paid Vacation
• 50% Vacation premium
• 13% Saving funds
• $2,000 MXN monthly grocery coupons
• $2,000 USD annual Coworking Travel allowance
• $2,000 USD annual Professional Development allowance
• $500 USD annual Fitness allowance
• $500 USD Phone Finance allowance
• $250 USD Home Office equipment allowance
• $200 USD Headphone allowance

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.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed