FraudOperationsAnalyst

## Description About PayJoy   PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.  Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system.  Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life.  PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.   This role ## Responsibilities 1. Fraud Detection & Review Perform daily manual reviews of flagged transactions and high risk finance orders via internal tools such as Cyborg Investigate alerts including repeat borrower patterns, selfie mismatches, device anomalies, and early inactivity signals Identify and escalate suspicious activity including syndicate behaviour and merchant level anomalies 2. Early Risk Monitoring Monitor early lifecycle signals including: Day 0 to Day 5 inactivity First payment delinquency risk (FPD7 and FPD15) Device “gone dark” patterns Flag high risk cohorts for immediate action 3. Fraud Trend Analysis Analyse fraud trends across merchants, devices, geographies, and promoters Identify high risk clusters and emerging fraud vectors specific to the India market Support cohort based analysis and pre/post intervention measurement 4. Execution of Fraud Controls Recommend and implement fraud mitigation actions such as: Device restrictions or removals Merchant level controls Segmentation strategies for high risk cohorts Support rollout of fraud rules and alerts in Cyborg 5. Stakeholder Collaboration Work closely with: GTM teams to address merchant and promoter behaviour Risk and Data Science teams to refine dete