Data Analyst, Risk

Data Analyst, Risk

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over five million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.
ABOUT THE ROLE

We're looking for a Data Analyst to join our Risk team. In this role, you'll work on stopping fraud while enabling growth in domains such as account onboarding, account takeover, transaction risk, and merchant fraud. You will use advanced analytics to find trends, evaluate performance, and drive new solutions to market, partnering closely with product and engineering teams. If you have a passion for solving tough, dynamic problems with data - this is the role for you!
RESPONSIBILITIES

• Analyze Risk data to identify trends, pain points, and opportunities for loss mitigation, cost savings, or revenue/experience enablement.
• Develop and maintain data pipelines, dashboards and reports to track key performance indicators (KPIs) in risk domains
• Conduct exploratory analysis, develop business cases, design experiments, conduct performance forecasting and monitoring, and develop and monitor models
• Partner with cross-functional teams including Risk Strategy, Product, and Engineering to deliver new solutions to market and ensure intent matches execution
• Design and evaluate experiments to optimize existing and launch new products, risk rules, and policies.
• Provide actionable insights to leadership on new fraud trends and areas for innovation
• Ensure data integrity, accuracy, and governance in analytics pipelines across multiple fraud domains.
• Participate in on-call rotation to support production analytics data pipelines and fraud incident response.
• Contribute to a data-driven, collaborative, and creative culture within the team.

REQUIREMENTS

• 3+ years of experience in data analytics, preferably in the fintech or banking industry.
• Strong proficiency in SQL, Python, or R for data analysis and manipulation.
• Experience building reports and dashboards using data visualization tools such as Tableau, Looker, or Power BI.
• Ability to visualize data effectively and communicate insights clearly and concisely.
• Experience in design of experiments
• Exceptional written and oral communication skills. You drive consensus through grounded arguments, interpersonal skills, and negotiation skills.
• Creative problem-solver - able to identify obstacles and present viable solutions
• Thrive when working in a fast-moving, ambiguous environment

ADDITIONAL DESIRED SKILLS AND QUALIFICATIONS

• Prior experience in fraud, disputes/chargebacks, and payment processing in consumer fintech, deposit business is a plus.
• Exposure to dimensional modeling concepts to power meaningful analytics.
• Familiarity with machine learning techniques and predictive analytics is a plus.
• Experience modeling data using dbt.

This role has a base salary range of $130,000 - $175,000. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.
BENEFITS

• Competitive salary
• Stock options
• 401(k) savings plan
• Discretionary performance bonus program
• Biannual performance reviews
• Medical, Dental and Vision premiums covered at 100% for you and your dependents
• Unlimited time off and paid holidays
• Generous parental leave policy
• Commuter benefits
• Healthcare and Dependent care FSA benefit
• Employee Assistance Programs focused on mental health
• Healthcare advocacy program for all employees
• Access to mental health apps
• Team building activities
• Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches