Senior Data Scientist, Credit Fraud Risk

This role leads data science for Paidy’s credit fraud risk work, developing and implementing models and capabilities to manage credit fraud. It collaborates with Engineering, Fraud Operations, Product, Marketing and PR, and coordinates with vendors on data sources and tools for fraud prevention. Responsibilities include designing and maintaining real-time fraud detection and alerting systems for high transaction volumes; tuning models to identify fraudulent behavior; analyzing complex patterns and reporting findings to senior management; and monitoring systems to improve detection, reduce false positives and address emerging threats. The role also reviews product designs for fraud resistance, documents methods, and presents technical findings to non-technical stakeholders. Candidates need data science or analytics experience, with fraud detection, financial services or e-commerce experience identified as particularly relevant, and SQL plus Python or R for data analysis. Minimum qualifications state 3+ years of relevant experience and a bachelor’s degree or an equivalent combination of education and experience; the mandatory list separately specifies a bachelor’s degree or higher. Persuasive communication and high-quality work under pressure are also required.