Manager, Portfolio & Fraud Analytics

Overview

This role is responsible for launching and scaling a new installment credit card business through portfolio analytics and fraud monitoring. Working closely with the General Manager, Card & Lending, you will monitor business performance, identify emerging risks and opportunities, and translate data into actionable recommendations.

Responsibilities

• Portfolio Performance & Analytics
  • Monitor performance across the account lifecycle, from originations through portfolio performance and economics.
  • Compare actual results against forecasts and expectations.
  • Explain results that fall outside tolerance and identify emerging trends.
  • Recommend actions to improve business outcomes.
  • Lead monthly performance reviews and help establish a disciplined approach to ongoing program monitoring.
• Origination Fraud Monitoring
  • Monitor automated origination fraud and verification rules.
  • Trace confirmed fraud, bust-outs, and early-loss accounts back to application characteristics to identify gaps in screening.
  • Recommend and test rule adjustments to reduce losses without increasing false declines or harming customer experience.
• Transaction Fraud Monitoring
  • Monitor transaction activity to identify suspicious behavior, bust-out patterns, and emerging fraud trends.
  • Investigate alerts and distinguish fraudulent activity from false positives.
  • Recommend adjustments to fraud rules and coordinate responses to fraud events.
  • Balance fraud prevention with approval rates and customer experience.
• Partner Reporting & Performance Insights
  • Translate portfolio performance into meaningful insights for internal leadership, a sponsor bank, and lending partners.
  • Lead partner performance reviews alongside the General Manager and serve as a primary point of contact for partner reporting, due diligence, and data requests.
  • Develop analytical insights and proof points to support expansion of white-label card and lending solutions to banks and credit unions.

Requirements

• 5+ years in credit card or consumer lending, in portfolio analytics, credit risk, fraud, or a related role.
• Working understanding of how credit portfolios perform (originations, delinquency, losses, profitability).
• Deep experience in either portfolio performance or fraud (ideally including fraud rule tuning and bust-out detection), with enough working knowledge of the other area to learn quickly.
• Strong analytical and problem-solving skills, with a track record of turning findings into clear business recommendations.
• Comfortable with business intelligence and reporting tools such as Tableau and Excel.
• Actively using AI tools to speed up analysis, investigate performance drivers, and improve decision-making and operational efficiency.
• Able to present complex findings clearly to senior leadership and external partners.
• Entrepreneurial mindset, detail-oriented approach, and comfort building processes in a growing business.

Compensation & Benefits

Not specified.

Location

NYC, Atlanta, or Remote