Data Analyst - Fraud Risk

About Paidy Inc.

Paidy is Japan's pioneer and leading BNPL service company. At Paidy we believe in creating simple, instant experiences to take the hassle out of shopping with a touch of magic.

Paidy offers instant, monthly-consolidated credit to consumers by removing hassles from payment and purchase experiences. Paidy uses proprietary models and machine learning to underwrite transactions in seconds and guarantee payments to merchants. Paidy increases revenue for merchants by reducing the number of incomplete transactions, increasing conversion rates, boosting average order values, and facilitating repeat purchases from consumers. 

Paidy was acquired in September 2021 by PayPal, the global payments company. Paidy continues to operate its existing business, maintain its brand and support a wide variety of consumer wallets and marketplaces by providing convenient and innovative services.

Paidy continues to innovate to make shopping easier and more fun both online and offline. For more information, please visit http://www.paidy.com. 

About Position 

Join our Risk team, where you’ll play a critical role in maintaining the fraud risk of our seamless checkout process. We believe in offering our customers a frictionless experience—during checkout, they only need to provide an email and phone number to instantly access a credit account and have their payments underwritten. It’s fast, efficient, and convenient, but it comes with the challenge of ensuring that fraud is detected and prevented in real time. 

As an Analyst focusing on fraud, you will play a critical role in combating fraud within the Paidy payment ecosystem making use of various data points from consumer behavior to merchant characteristics and more. On top of this very important task, you will also work with various stakeholders from the business to engineering teams taking part in Paidy product development processes.

If you are excited about combining data science solutions with operational methods to solve complex business challenges and want to make a real impact in a dynamic environment, this role is for you.

Key Role and Responsibilities

Daily Tasks

• Develop and maintain the fraud detection systems, business rules, models, tooling and reportings that the fraud team owns
• Work closely with the fraud operation/operation members to investigate/manage the fraud cases

Strategy & Operations

• Setting up comprehensive fraud prevention strategies aligned with company risk appetite
• Setting and maintaining fraud KPIs, ensure they remain within acceptable thresholds
• Monitor fraud trends and patterns to proactively adjust strategies
• Balance fraud prevention with customer experience and acceptance rates
• Establish and optimize fraud operation processes and guidelines

Cross-functional Collaboration

• Work closely with the Credit Risk team to ensure aligned risk management approaches
• Collaborate with Product, Engineering, Sales, Customer Service and Operation teams to implement fraud prevention and operation solutions
• Partner with Legal and Compliance teams to ensure adherence to relevant regulations
• Regular reporting to senior management on fraud performance and initiatives

Skills and Requirements

• 3+ years of experience in one or multiple of the following areas: Fraud prevention/ Risk management/ Fraud operation/ Spam management/ Consumer behavior analysis
• Previous experience in a data science or analytics role, particularly in fraud detection, financial services, or e-commerce environments would be a huge plus
• Proven track record in managing fraud/ scam/ spam in either of the following industry: Financial services/ E-Commerce/ Social media industry/ Credit card industry, preferably in BNPL or payments industry
• Experience working with cross-functional teams
• Understanding of machine learning and data science applications in fraud prevention is a huge plus
• Excellent project management and organizational skills
• Excellent written and verbal communication skills in both English and Japanese, with the ability to present complex ideas clearly to technical and non-technical stakeholders.
• Strong understanding of data visualization tools (e.g., Tableau, Looker, or similar) for reporting insights would be a plus.
• A proactive mindset and a passion for leveraging data to drive business decisions and improve fraud prevention strategies.
• Ability to deliver under pressure and demonstrate a sense of urgency when required.

• Paidy team will ask about your user experiences with Paidy Apps during the interview. Please download Paidy App and try it out!
• iOS: https://apps.apple.com/jp/app/paidy/id1220373112
• Android: https://play.google.com/store/apps/details?id=com.paidy.paidy&hl=en&gl=US

For those who are not able to download Paidy App, due to the regional restrictions, please be advised that you download the similar App, such as Klarna, Afterpay, Affirm and so forth, and come up with your opinions on these applications and services.

• Please note that you must be eligible to work in Japan.

What We Offer You

• Diversified team with 238+ colleagues from 42+ countries
• Exciting work opportunities in a rapid-growing organization
• Cross-functional collaboration
• Flexible work-from-home arrangement
• Competitive salary and benefits

Paidy Values

Be a winner / 勝ちにこだわる

• Always seek to beat expectations / 期待値を超える為に常に努力する
• Display surprising speed and resourcefulness / 人をスピードと機知で驚かす
• Overcome weaknesses by leveraging the strength and help of others to win / 仲間の強みを活かしたり協力を得ることで、自身の弱みや足りない点を克服する

Own and deliver, together / 共に結果を出す

• Fully support the final decision even if at times you may disagree / たとえ意見が対立することがあったとしても、最終決定を全面的に受け入れ支持する
• Acknowledge and gather the power of others, by communicating and collaborating with them / 仲間の力を認めて活用し、積極的にコミュニケーションをとり、協力する
• Show a will to own actions and go the extra mile without being asked / 行動について強いオーナーシップを持ち、言われずとも業務を遂行しきる覚悟を持つ

Be a valued team member / 価値を認められるメンバーになる

• Strive to play an integral role / 替えの効かない役割を果たす
• Embrace and bridge differences in perspective, language and culture / 異なる意見・考え方、言語と文化の架け橋になる
• Don’t compromise - raise the bar for yourself and others / スタンダードを上げ続けることに妥協しない