Principal Business Analyst, Fraud

Mission Lane is a purpose-driven fintech company that uses data, technology, and exceptional service to help millions of people achieve financial success. The Principal Business Analyst, Fraud will investigate fraud trends, develop and refine application fraud defenses, balance risk prevention with customer experience, monitor strategy performance, and collaborate with Operations, Product, Data Science, and Engineering teams.

Responsibilities:

• Analyze and Investigate Fraud Trends: Dive deep into application data to proactively identify emerging fraud patterns, uncover system vulnerabilities, and understand the evolving tactics used by criminals
• Develop and Fine Tune Fraud Strategies: Design, build, and implement new, real-time defenses to detect and prevent fraudulent applications. You will constantly test and refine our strategies to stay ahead of fraudsters
• Balance Risk with Customer Experience: Make thoughtful, data-backed decisions that strike the optimal balance between risk prevention and customer experience
• Monitor and Report on Performance: Create and maintain robust dashboards to track the performance of fraud strategies. You’ll be responsible for reporting on key metrics like coverage, pause rates, step-up completion rates, defense performance, and losses
• Optimize and Collaborate: Work closely with our Operations, Product, Data Science, and Engineering teams to continuously improve fraud detection capabilities and strategies

Requirements:

• 3+ years of experience in a highly analytical role (e.g., risk, business analytics, data science)
• Experience conducting analytical work with credit cards or other consumer lending products
• Hands-on experience designing and executing A/B or Champion/Challenger testing within application or risk funnels
• Proven ability to problem solve end-to-end: from framing the question and forming a hypothesis, to analyzing the data, to communicating and debating the answer with stakeholders
• Familiarity with SQL, Python, or other tools for data analysis
• Bachelor's or Master's degree in Economics, Finance, Engineering, Mathematics, or a similar quantitative field with a record of strong academic performance
• Direct experience in Fraud Strategy and Analytics
• Expertise in SQL and Python
• Experience helping scale a business in a fast-paced startup environment