Upgrade is looking to transform how they identify and mitigate merchant risk through data analysis and visualization to protect their platform from fraud, compliance violations, and operational failures.
Requirements
- Strong SQL skills for querying large datasets and performing complex data analysis
- Proficiency in Tableau (or similar BI tools) for building dashboards and visualizations
- Experience with predictive modeling and statistical analysis (regression, classification, clustering)
- Excel/Google Sheets expertise for data manipulation, pivot tables, and analysis
- Experience with Python or R for data analysis and modeling
- Familiarity with machine learning techniques and model validation
- Prior experience building automated alerting systems or risk triggers
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
- Build and maintain Tableau dashboards for merchant investigations using transactional data, WIP trends, chargeback patterns, and complaint analysis
Other
- 3+ years merchant risk experience in fraud detection, compliance monitoring, underwriting, or risk operations (fintech, payments, or lending preferred)
- Deep merchant risk knowledge: fraud patterns, financial distress indicators, compliance red flags, operational issues, borrower harm signals
- Analytical mindset with strong attention to detail and ability to spot patterns in complex data
- Clear communication to translate analytical findings for non-technical audiences
- English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.
