Senior Data Analyst - Fraud Analytics in City of Westminster

Overview: Looking for a Senior Fraud Analyst to join our growing Fraud Analytics team at Zopa. This role plays a critical part in protecting our customers and the business from fraud, using data, analytics and judgement to drive real-time and strategic decisioning. You will lead complex fraud analysis independently, support incident response, and act as a senior analytical escalation point within the team.

Responsibilities:

• Leading end-to-end fraud analysis using SQL and Python to detect, investigate and mitigate fraud risks
• Taking real-time analytical input into fraud blocks, controls and interventions
• Acting as a senior point of escalation during fraud incidents, supporting prioritisation and decision making
• Optimising fraud rules and supporting the monitoring of machine learning models
• Improving onboarding and account-level controls to prevent bad actors entering the ecosystem
• Creating and maintaining fraud reporting and dashboards using Tableau
• Working closely with Fraud Strategy, Fraud team and related stakeholders

About you:

• Analytical experience with advanced SQL
• Python experience for data analysis
• Proven ability to own complex, ambiguous analytical problems end-to-end
• Experience translating analysis into clear, actionable recommendations
• Confidence working with senior stakeholders in a fast-paced environment
• Ability to remain calm and make sound decisions under pressure
• Experience in fraud, financial crime or risk analytics is a plus
• Exposure or an interest in fraud decisioning systems or real-time monitoring tools
• Prior experience in using live decisioning systems or working with machine learning models
• Background in Fraud/ Fincrime (or similar setting)
• Fintech, banking or high-growth tech environments would be ideal

The role and interview process:

• Recruiter Screening (30 mins): Focus on motivation, problem-solving mindset, technical background, and interest in fraud analytics.
• SQL Technical Assessment (1 hour): Focus on writing clean, accurate SQL.
• Fraud Analytics Case Study (1 hour): Focus on how you approach a fraud problem end-to-end. No prior fraud experience required - we’re testing thinking, structure, and communication.
• Final Interview (60 mins): Focus on competencies, collaboration, decision-making under pressure, and alignment with Zopa’s values.

Working arrangement:

This role is ideal for someone looking for the next step in their analytics career, who wants to continue to build strong technical skills while working on meaningful, high-impact problems. This hybrid role requires you to come to our London office 2-3 days a week. You’ll also have the option of working from abroad for up to 120 days a year!

Diversity and AI in recruitment:

We value flexible ways of working. We value face-to-face collaboration and a good work-life balance. Subject to having the right to work in the country of choice, Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DEI forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DEI is reflected in our hiring process so please let us know if you require any reasonable adjustments. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.