Fraud Lead (Consumer Lending)

Location: Currently fully remote, with a future transition to a hybrid setup centered around hubs in Miami, San Francisco, and New York

Company

hirify.global is a hyper-growth Series C fintech building an AI-powered financial companion for Latinos in the US, combining conversational interfaces, real-time financial infrastructure, and crypto rails for remittances, credit, savings, and wallet services.

What you will do

• Define, architect, and refine first-party and third-party fraud typologies for the WhatsApp-based consumer lending ecosystem.
• Own repayment fraud, identity spoofing, chargeback, synthetic identity, and exploit-loop analytics for the Send Now Pay Later product.
• Manage fraud metrics including net fraud rate, false-positive ratios, challenge rates, and chargeback-to-sales ratios while protecting conversion.
• Design and orchestrate rules in decision engines such as Taktile, Provenir, and Alloy, and partner with Data Science on production machine-learning risk models.
• Design automated blocking protocols and manual investigation workflows with Operations and Engineering.
• Coordinate with Legal and Compliance on suspicious activity reports, loan abuse patterns, and regulatory requirements.

Requirements

• 4–5+ years of hands-on fraud risk strategy and prevention experience in consumer lending, BNPL, digital wallets, or credit cards.
• Advanced SQL skills, including BigQuery or Snowflake, plus Python, R, or business intelligence visualization tools for independent transactional analysis.
• Experience with modern decision engines such as Taktile, Provenir, Alloy, or similar platforms.
• Experience deploying, monitoring, and calibrating machine-learning risk models in live environments.
• Knowledge of emerging fraud attack vectors, account takeover, synthetic fraud, and OSINT-based threat detection.
• Strong communication skills for translating fraud patterns and technical metrics into business risks for executives, product managers, and engineering teams.

Culture & Benefits

• Currently fully remote, with a planned future hybrid, hub-centric work model.
• Initial stock options grant and annual performance bonus.
• 401(k), health, dental, and vision plans.
• Unlimited PTO and paid parental leave.
• Continuous learning and growth opportunities in an entrepreneurial environment.