Fraud Analyst III

About Kueski

At Kueski we're dedicated to improving the financial lives of people in Mexico. Since 2012 we've been the leading buy now pay later (BNPL) and online consumer credit platform in Latin America known for our innovative financial services. Our flagship product Kueski Pay provides seamless payment solutions for both online and in-store transactions establishing itself as the preferred option for a quarter of Mexico's top e-commerce merchants. Notably we were the first to introduce BNPL on Amazon Mexico.

We're a tech company with a culture geared toward innovation collaboration and impact fostering a strong diverse and inclusive company culture. In 2023 Kueski was recognized as the top BNPL platform by Fintech Breakthrough and earned the title of one of Mexico's most ethical companies from AMITAI. Additionally we ranked as one of the Best Companies for Female Talent by EFY.

Purpose

Analysis of the behavior of the portfolio to define credit approval and fraud prevention strategies for the different credit products such that business growth expectations are achieved taking care of the level of losses profitability and optimal operating cost. Collaborate with multifunctional teams in the definition and implementation of analytical projects infrastructure and various control measures aligned with the established risk appetite.

Key Responsibilities

• Construction of strategies for sustainable business growth and fraud prevention through the development of monitoring systems and the definition of credit evaluation schemes through an analytical and numerical perspective

• Coordination of investigations for the massive identification of fraud patterns derived from alerts experiments and control groups through massive data analysis

• Preparation of executive reports and presentations at a strategic level

• Analysis of fraud in two levels: at portfolio to identify trends and suspicious behavior in customers (B2C) and at merchant/branch level identifying trends and patterns that may suggest fraudulent actions by store/merchant representatives (B2B). By developing methodologies for projecting credit losses associated with fraud using data analysis methodologies decision trees clustering and other models.

• Quantitatively and qualitatively evaluate the need to incorporate additional information new tools and/or new preventive policies to mitigate losses and prevent fraud

• Coordinate and develop proofs of concept from external data sources to evaluate added value for fraud prevention and loss mitigation

• A key point of contact with engineering and product to ensure appropriate development and implementation of fraud and risk policies and tools

• Analysis of fraud and credit risk profiles to establish cross-selling strategies and campaigns to pre-approve credits in populations with good behavior to maximize the permanence and roots of clients with Kueski

• Stay up to date with industry best practices regulatory guidelines and market developments to ensure compliance and promote continuous improvement in fraud risk management processes.

• Mentor and support junior analysts providing guidance and experience in fraud risk analysis methodologies and techniques

Position Requirements

• Graduate from one of the following majors: Engineering Mathematics Actuary Economics or similar

• More than 3 years of experience in analytical areas with proven experience in database management via Python SAS SQL and Tableau

• At least 2 years of experience in analysis related to consumer credit risk behavior and financial fraud prevention

• Knowledge of analytical techniques for fraud prevention consumer credit risk analysis segmentation techniques and project management

• Strong analytical skills and knowledge of statistical and financial tools

• Analysis of information available in databases via SQL queries Athena Python Tableau/Databricks and Excel

• Knowledge of fraud prevention and credit risk issues with consumer credit products

• Advanced English

• Operation of Data Sources and experience interpreting analytical tools associated with fraud prevention

• Understanding fraud and consumer credit risk metrics

You’ll love working at Kueski because

• We have a mission-driven culture focused on customer value teamwork humility and integrity

• Everyone is expected to have role clarity career growth and a personal development plan. Feedback and recognition are embedded in our company processes systems and practices

• We ensure competitive salary medical insurance and wellbeing through ample and flexible time off as well as mental healthcare benefits

• Everyone is an owner and eligible for competitive stock options with a company poised for success. We're committed to building an inclusive and diverse team and we know this leads to incredible work

Kueski: Where talent excellence improves Mexican lives.

#LifeAtKueski #KueskiTalent

At Kueski we embrace diversity in all forms systematically promote equity and ensure everyone feels included with a sense of belonging. We are committed to the full inclusion of all qualified candidates. As part of this commitment we will make efforts to ensure reasonable accommodations are made during the hiring process. If reasonable accommodation is needed please let the Talent Acquisition team know.