Lead Credit Manager, Fraud
Company:Tilt Finance
Location:United States, EST, PST
Languages:English
Seniority level:Lead, 5+ years
Experience:5+ years
Skills:
LeadershipProject ManagementPythonSQLArtificial IntelligenceData AnalysisMachine LearningCross-functional Team LeadershipStrategyRisk Management
Requirements:
- Strong advanced analytics toolkits (strong SQL, Python)
- Experience with statistical modeling (regression, GBMs)
- B.S. degree in engineering, business, finance, computer science or mathematics
- 5+ years track record of success in data analytics / credit roles
- At least 2+ years focusing on financial fraud strategy and risk management
Responsibilities:
- Define the year+ fraud roadmap across account opening, authentication, payments, disputes/chargebacks, and account lifecycle.
- Partner with Data Science to develop, test, and deploy models and decisioning logic.
- Build feedback loops connecting labels, signals, and manual review outcomes back into models/rules.
- Set targets and monitor KPIs: fraud loss rate, approval/authorization rate, false-positive rate, customer friction, manual review rate, dispute win rate, and time-to-detect.
- Stand up dashboards and alerting to detect pattern shifts; lead fast response.
- Partner with Finance to quantify trade-offs and size/sequence investments.
- Own a strategic vendor portfolio spanning identity verification, device intelligence, behavioral biometrics, link/graph analysis, consortium data, and payment risk.
- Run rigorous vendor evaluations.
- Negotiate commercial terms and integration plans.
- Structure experiments across onboarding flows, risk thresholds, and step-up authentication.
- Challenge existing processes/tools with creative, data-driven improvements.
- Collaborate with Product, Engineering, Data Science, Operations, and Compliance/Legal to design controls, implement monitoring, and meet partner bank/regulatory expectations.
- Translate complex analytical insights and threat intel into crisp recommendations.
