At a Glance
- Tasks: Lead fraud detection efforts by analysing transaction data and building detection rules.
- Company: Join a dynamic fintech company focused on innovation in card and lending services.
- Benefits: Competitive salary, flexible working hours, and opportunities for professional growth.
- Other info: Be part of a fast-paced team where your contributions directly influence our fraud strategy.
- Why this job: Make a real impact in the fight against fraud while developing your analytical skills.
- Qualifications: Strong background in data analysis, SQL proficiency, and a proactive problem-solving mindset.
The predicted salary is between 60000 - 80000 £ per year.
Requirements
- A strong data analyst background in a fintech or digital lending environment.
- You know what SMB or consumer transaction data looks like and you're comfortable working with messy, high-volume datasets.
- Proficient in SQL, including CTEs, window functions, and understanding the difference between WHERE and HAVING.
- A genuine builder instinct; you find problems in the data and fix them without waiting to be told.
- Experience working end-to-end on analytical problems, owning the process through to deployment.
- Comfortable in a small, fast-moving team where the answer isn't always obvious and you have to work it out yourself.
- Desirable: Direct experience working in card fraud, ideally within a bank, card issuer, or fintech operating on the issuing side.
- Desirable: Hands-on familiarity with card fraud systems and the data that comes with them (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance).
- Desirable: Experience with APP fraud or faster payment fraud systems is a strong bonus.
What the job involves
- We're looking for a Senior/Lead Card Fraud Data Analyst/Analytics Manager to join our Fraud team.
- This is a hands-on, high-ownership role - you'll take direct responsibility for our fraud systems end-to-end, from onboarding fraud through to card fraud, and play a central part in building the capabilities we need as we launch new products.
- Write complex SQL queries to interrogate transaction and customer data, identify fraud signals, and surface emerging attack patterns.
- Design and build fraud detection rules from scratch, set thresholds based on data, and iterate based on live performance.
- Own rules end-to-end; you spot the pattern, build the detection, and monitor the outcome.
- Work across card and lending data to understand how our customers behave and where fraud risk sits in our specific product set.
- Contribute to fraud strategy as the team grows, including input into ML-based detection further down the line.
Lead Fraud Data Analyst - FinTech Card & Lending employer: Capital on Tap
Join a dynamic fintech environment where innovation meets responsibility. As a Lead Fraud Data Analyst, you'll thrive in a collaborative culture that values your insights and encourages ownership of your work. With opportunities for professional growth and the chance to make a real impact on fraud detection strategies, this role offers a rewarding career path in a fast-paced, supportive team dedicated to excellence.
We think you need these skills to ace Lead Fraud Data Analyst - FinTech Card & Lending
Data Analysis
SQL
CTEs
Window Functions
Analytical Problem-Solving
Fraud Detection
Card Fraud Systems
