Upgrade, Inc. · 1 day ago
Merchant Risk Data Analyst
Atlanta, GA
Full-time
Onsite
Mid Level
3+ years expUpgrade, Inc. is a fintech company focused on providing affordable and responsible financial products to improve customer financial well-being. The Merchant Risk Data Analyst will analyze transactional data to identify and mitigate merchant risk, build predictive models, and create automated monitoring systems to safeguard the platform from fraud and compliance issues.
BankingCreditFinancial ServicesFinTechMobile
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
Create early-warning systems for financial distress, fraud patterns, compliance violations, and operational deterioration
Optimize trigger logic to balance detection accuracy with operational efficiency
Collaborate with Engineering and Product to operationalize triggers into monitoring workflows
Monitor trigger performance and adjust thresholds based on investigation outcomes
Build and maintain Tableau dashboards for merchant investigations using transactional data, WIP trends, chargeback patterns, and complaint analysis
Create visualizations that empower the Merchant Risk team to investigate merchants quickly and effectively
Develop performance metrics reporting for team productivity, investigation outcomes, and risk mitigation effectiveness
Design executive-level reporting on merchant risk trends and portfolio health
Ensure dashboards are intuitive, accurate, and actionable
Partner with Merchant Risk Managers and analysts to understand investigation needs and data gaps
Provide data-driven recommendations to improve risk detection and investigation efficiency
Collaborate with Sales, Credit, Compliance, FinCrimes, and Product teams on risk strategy
Present findings and recommendations to leadership in clear, compelling formats
Stay current on merchant risk trends, fraud schemes, and industry best practices
Qualification
Required
3+ years merchant risk experience in fraud detection, compliance monitoring, underwriting, or risk operations (fintech, payments, or lending preferred)
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
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
Preferred
Experience with Python or R for data analysis and modeling
Familiarity with machine learning techniques and model validation
Knowledge of merchant underwriting, credit risk, or transaction monitoring
Experience with WIP (Work-in-Progress) data in project-based lending
Background in home improvement, solar, elective medical, or other merchant verticals
Understanding of regulatory requirements (UDAAP, state licensing, consumer protection)
Prior experience building automated alerting systems or risk triggers
Benefits
100% paid coverage of medical, dental, and vision insurance
Flexible PTO
Competitive 401(k)
Opportunities for professional growth and development
Paid parental leave
Health & wellness initiatives
Company
Upgrade, Inc.
Upgrade helps customers move in the right direction with affordable and responsible financial products.
1001-5000 employees
H1B Sponsorship
Upgrade, Inc. has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (52)
2024 (34)
2023 (31)
2022 (25)
2021 (22)
2020 (11)
Funding
Current Stage
Late StageTotal Funding
$752MKey Investors
Neuberger BermanKoch Disruptive TechnologiesMouro Capital
2025-10-16Series G· $165M
2021-11-16Series F· $280M
2021-08-11Series E· $105M
Leadership Team
Renaud Laplanche
Co-founder & CEO
Adelina Grozdanova
Co-Founder, Head of Investor Group
Recent News
Daily Star Egypt
2025-12-04
2025-12-03
2025-10-31
Company data provided by crunchbase