Senior Risk Management Analyst, Cards
$160,000–$180,000 year
On-site · New York City, New York, United States
Job Summary
Senior Risk Management Analyst, Cards — own end-to-end card portfolio analytics (spend behavior, draw patterns, utilization, interchange economics, cohort/vintage analyses) and manage fraud risk strategy across transaction fraud, card-not-present fraud, account takeover, and friendly fraud. Build and maintain portfolio performance reporting for leadership, board, and lending partners; lead experimentation and optimization of fraud controls; coordinate with BIN sponsor and card network partners; deliver actionable insights and clear narratives to stakeholders. Location is on-site in New York, with a senior IC role focused on analytics and risk leadership.
Required Qualifications
- 7+ years of experience in card analytics, fraud risk, or a closely related field at an issuer, fintech, or payment network
- Deep expertise in card transaction fraud — CNP, ATO, friendly fraud — and the detection and prevention tooling that supports it
- Strong card portfolio analytics background: interchange, spend analytics, utilization, cohort analysis, and cardholder behavior modeling
- Advanced SQL skills; proficiency in Python or R strongly preferred
- Experience with fraud detection platforms such as Feedzai, Sardine, Sift, or similar — ability to evaluate and optimize tooling is a plus
- Familiarity with Mastercard or Visa network rules, chargeback processes, and BIN sponsor relationships
- Card issuer experience required (fintech or bank)
- Comfortable operating as a senior IC in a fast-moving, early-stage environment
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