Lead Data Analyst, Risk/Fraud

Dave (Nasdaq: DAVE) is on a mission to build products that level the financial playing field. Our banking app helps millions of members bank, budget, find work, build credit, and access up to $500 advances without paying a fee.  With a growing suite of tools and services, we provide a superior banking experience for anyone living paycheck to paycheck. We’re looking for high performers to be part of our journey to bring access to financial opportunity for everyone.

Dave is looking for an experienced Lead Data Analyst to spearhead analyses and provide meaningful insights into our users and product. The Lead Data Analyst will leverage data on our users to build dashboards, answer key business questions, and tell compelling stories. This person will conduct in-depth analyses of our data, report on key metrics, and provide recommendations that will have a direct impact in shaping future product development and company initiatives. The ideal candidate is an intelligent, sharp, detail-oriented, and highly quantitative individual who loves working with and analyzing data.

• Be constantly curious and continue to pursue in-depth explorations of our datasets
• Develop and adjust risk rules to optimize fraud detection across different business areas and products while limiting negative impact to good users
• Develop data-driven risk decision strategies to support the business’ financial goals, monitor their impact and adjust it according to the dynamic world we operate in
• Work with Dave’s detailed business data to optimize performance and minimize financial loss
• Advocate for your data products by contributing to business cases that improve prioritization and identify new trends and opportunities for your space
• Cultivate relationships with partners across risk product, risk operations and risk engineering to remove roadblocks and provide insights to build the risk/fraud roadmap
• Create analytical frameworks to measure team success by partnering with teams to determine success metrics, creating approaches to track the data and troubleshoot errors, measuring and evaluating the data and then develop a common language for all colleagues to understand these indicators
• Work independently and proficiently to be accountable for your own results. Reviews are mainly for consultation and sharing ideas
• Ad-hoc analysis to address urgent high impact analysis for business stakeholders

• 6 years of quantitative analyses experience in the Financial industry to build data-driven strategy for solving risk management/fraud detection problems
• Proficient in SQL and/or other data query languages, familiarity with Python is a plus
• Has solid knowledge of internal and external business processes and data, systems and flows, as well as analytical tools, processes, and methodologies, solutions to do the job with a high level of proficiency and quality
• Has some basic understanding of business and finance in the context of the mobile banking business
• Experience collaborating with and understanding the needs of stakeholders from a variety of business functions, including product, risk, compliance, finance and so on
• Bachelor’s degree in any field which requires logical creative thinking, STEM majors MS degree preferred
• Proven strong analytical and problem-solving skills
• Previous experience with Business Intelligence tool (i.e. Tableau, Looker, Mode, or Periscope)
• Experience in Financial Services or FinTech preferred
• Previous work on evaluating product iterations or experiments

• Knowledge of ACH returns, chargebacks
• Experience in quickly identifying fraud attack patterns and come up with solutions to reduce fraud losses

• SQL
• Python
• R
• A/B testing

Don’t let imposter syndrome get in your way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles.

Why you’ll love working here: 

At Dave, our people are just as important as our product. Our culture is a reflection of our values that guide who we are, how we work, and what we aspire to be. Daves are member centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual first company, team members can live and work anywhere in the United States, with the exception of Hawaii. 

A few of our benefits & perks:

• Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals

• Flexible hours and virtual first work culture with a home office stipend

• Premium Medical, Dental, and Vision Insurance plans

• Generous paid parental and caregiver leave

• 401(k) savings plan with matching contributions

• Financial advisor and financial wellness support

• Flexible PTO and generous company holidays, including Juneteenth and Winter Break

• All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team

Dave, Inc. is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

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