Lead Data Analyst- Card Fraud

Hybrid role in our London (EC1Y 8LZ
) office, 3 days per week.

This is a hands‑on, high‑ownership role where you will take direct responsibility for fraud systems end‑to‑end, from onboarding fraud through to card fraud, and play a central part in building the capabilities we need as we launch new products.

• Write complex SQL queries to interrogate transaction and customer data, identify fraud signals, and surface emerging attack patterns.
• Design and build fraud detection rules from scratch, set thresholds based on data, and iterate based on live performance.
• Own rules end‑to‑end: spot patterns, build detection, and monitor outcomes.
• Work across card and lending data to understand how customers behave and where fraud risk sits in our product set.
• Contribute to fraud strategy as the team grows, including input into ML‑based detection further down the line.

• Strong data analyst background in a fintech or digital lending environment; comfortable working with messy, high‑volume datasets.
• Proficient SQL skills, including CTEs, window functions, and understanding of WHERE vs HAVING.
• Builder instinct: proactively identify problems in data and resolve them.
• Experience working end‑to‑end on analytical problems, owning them through deployment.
• Comfortable in a small, fast‑moving team where answers are not always obvious and you must work them out yourself.

• Direct experience working in card fraud – ideally within a bank, card issuer, or fintech operating on the issuing side.
• Hands‑on familiarity with card fraud systems and associated data (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance).
• Experience with APP fraud or faster payment fraud systems.

We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

• Private Healthcare including dental and opticians services through Vitality.
• Worldwide travel insurance through Vitality.
• Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical).
• Salary Sacrifice Pension Scheme up to 7% match.
• 28 days holiday (plus bank holidays).
• Annual Learning and Wellbeing Budget.
• Enhanced Parental Leave.
• Cycle to Work Scheme.
• Season Ticket Loan.
• 6 free therapy sessions per year.
• Dog Friendly Offices.
• Free drinks and snacks in our offices.