Merchant Risk Data Analyst (Fintech)

Location: Atlanta; hybrid work arrangement

Company

hirify.global builds financial products focused on responsible consumer credit and customers’ financial well-being.

What you will do

• Analyze large transactional datasets to identify merchant risk patterns, trends, misconduct, project abandonment, chargebacks, borrower harm, and operational red flags.
• Build predictive models, risk-scoring methodologies, automated triggers, and early-warning systems for fraud, financial distress, compliance violations, and operational deterioration.
• Optimize trigger logic, monitor performance, and adjust thresholds based on investigation outcomes.
• Collaborate with Engineering, Product, Sales, Credit, Compliance, FinCrimes, Merchant Risk Managers, and analysts to operationalize monitoring workflows and improve risk strategy.
• Build Tableau dashboards, investigation visualizations, productivity metrics, outcome reporting, and executive-level reporting on merchant risk and portfolio health.
• Present clear, data-driven recommendations and stay current on merchant risk trends, fraud schemes, and industry practices.

Requirements

• 3+ years of merchant risk experience in fraud detection, compliance monitoring, underwriting, or risk operations; fintech, payments, or lending experience is preferred.
• Strong SQL skills for querying large datasets and performing complex data analysis.
• Proficiency in Tableau or similar BI tools for dashboards and visualizations.
• Experience with predictive modeling and statistical analysis, including regression, classification, and clustering.
• Expertise with Excel or Google Sheets, including data manipulation, pivot tables, and analysis.
• Deep knowledge of merchant risk, including fraud patterns, financial distress indicators, compliance red flags, operational issues, and borrower-harm signals.
• Strong analytical and detail-oriented mindset with the ability to identify patterns in complex data.
• Clear communication skills for translating analytical findings to non-technical audiences.

Nice to have

• Python or R experience for data analysis and modeling.
• Familiarity with machine learning techniques and model validation.
• Knowledge of merchant underwriting, credit risk, or transaction monitoring.
• Experience with WIP data in project-based lending.
• Experience in home improvement, solar, elective medical, or other merchant verticals.
• Understanding of UDAAP, state licensing, and consumer protection requirements.
• Experience building automated alerting systems or risk triggers.

Culture & Benefits

• Hybrid work environment; work may be performed onsite or remotely depending on business needs and the role.
• Competitive salary and stock option plan.
• 100% employer-paid medical, dental, and vision insurance.
• Flexible PTO, paid parental leave, and competitive 401(k).
• Professional growth opportunities and health and wellness initiatives.
• Fast-paced environment requiring accurate digital-system work, multiple-priority management, and secure remote connectivity when working remotely.