Merchant Risk Data Analyst at Upgrade

Atlanta, Georgia, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

3+ years merchant risk experience in fraud detection, compliance monitoring, underwriting, or risk operations (fintech, payments, or lending preferred)
Strong SQL skills for querying large data

Responsibilities

Analyze large volumes of transactional data to identify merchant risk patterns and trends
Build predictive models to forecast merchant fraud, financial distress, compliance issues, and operational red flags
Develop risk scoring methodologies that prioritize high-risk merchants for proactive review
Conduct historical trend analysis to understand how merchant risk evolves over time and across verticals
Identify leading indicators of merchant misconduct, project abandonment, chargebacks, and borrower harm
Design automated merchant risk triggers based on transactional behavior and performance metrics
Create early-warning systems for financial distress, fraud patterns, compliance violations, and operational deterioration
Optimize trigger logic to balance detection accuracy with operational efficiency
Collaborate with Engineering and Product to operationalize triggers into monitoring workflows
Monitor trigger performance and adjust thresholds based on investigation outcomes
Build and maintain Tableau dashboards for merchant investigations using transactional data, WIP trends, chargeback patterns, and complaint analysis
Create visualizations that empower the Merchant Risk team to investigate merchants quickly and effectively
Develop performance metrics reporting for team productivity, investigation outcomes, and risk mitigation effectiveness
Design executive-level reporting on merchant risk trends and portfolio health
Ensure dashboards are intuitive, accurate, and actionable
Partner with Merchant Risk Managers and analysts to understand investigation needs and data gaps
Provide data-driven recommendations to improve risk detection and investigation efficiency
Collaborate with Sales, Credit, Compliance, FinCrimes, and Product teams on risk strategy
Present findings and recommendations to leadership in clear, compelling formats
Stay current on merchant risk trends, fraud schemes, and industry best practices

Skills

Data Analysis

Predictive Modeling

SQL

Python

Data Visualization

Risk Scoring

Fraud Detection

Transactional Data

Statistical Analysis

Upgrade

Provides loans, credit cards, and rewards

About Upgrade

Upgrade offers personal loans, credit cards, and rewards checking accounts to help individuals manage their finances. Their personal loans allow borrowing up to $50,000 with fixed rates and no prepayment penalties, while the Upgrade Card provides cash back rewards on various spending categories. What makes Upgrade different is its focus on affordability and user-friendly features, attracting customers looking for flexible credit solutions. The company's goal is to promote responsible financial behavior and long-term financial health through accessible credit options.

San Francisco, CaliforniaHeadquarters

2016Year Founded

$532.1MTotal Funding

SERIES_FCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) Company Match

Unlimited Paid Time Off

Paid Parental Leave

Health & wellness initiatives

Risks

Expansion into auto loans increases exposure to credit risk.

Crowded BNPL market may pressure margins for Uplift acquisition.

Investment in new office space may strain resources if growth falters.

Differentiation

Upgrade offers a unique blend of credit and banking products.

The Secured OneCard targets consumers with little or no credit history.

Partnership with FairPlay enhances fairness in lending practices.

Upsides

Expansion into auto loans diversifies Upgrade's product offerings.

Acquisition of Uplift strengthens Upgrade's position in travel financing.

Partnership with Finturf enhances home improvement financing options.

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