Merchant Risk Data Analyst

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B. We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people. About the Role: Upgrade is looking for a Merchant Risk Data Analyst to transform how we identify and mitigate merchant risk through data analysis and visualization. You'll combine merchant risk expertise with analytical skills to build predictive models, automated monitoring triggers, and actionable insights that protect our platform from fraud, compliance violations, and operational failures. You'll turn millions of transactional data points into strategic risk decisions, applying analytical rigor to catch problems early and safeguard our merchants, borrowers, and business. What You'll Do: • Analyze large volumes of transactional data to identify merchant risk patterns and trends • Build predictive models to forecast merchant fraud, financial distress, compliance issues, and operational red flags • Develop risk scoring methodologies that prioritize high-risk merchants for proactive review • Conduct historical trend analysis to understand how merchant risk evolves over time and across verticals • Identify leading indicators of merchant misconduct, project abandonment, chargebacks, and borrower harm • Design automated merchant risk triggers based on transactional behavior and performance metrics • Create early-warning systems for financial distress, fraud patterns, compliance violations, and operational deterioration • Optimize trigger logic to balance detection accuracy with operational efficiency • Collaborate with Engineering and Product to operationalize triggers into monitoring workflows • Monitor trigger performance and adjust thresholds based on investigation outcomes • Build and maintain Tableau dashboards for merchant investigations using transactional data, WIP trends, chargeback patterns, and complaint analysis • Create visualizations that empower the Merchant Risk team to investigate merchants quickly and effectively • Develop performance metrics reporting for team productivity, investigation outcomes, and risk mitigation effectiveness • Design executive-level reporting on merchant risk trends and portfolio health • Ensure dashboards are intuitive, accurate, and actionable • Partner with Merchant Risk Managers and analysts to understand investigation needs and data gaps • Provide data-driven recommendations to improve risk detection and investigation efficiency • Collaborate with Sales, Credit, Compliance, FinCrimes, and Product teams on risk strategy • Present findings and recommendations to leadership in clear, compelling formats • Stay current on merchant risk trends, fraud schemes, and industry best practices What We Look For: • 3+ years merchant risk experience in fraud detection, compliance monitoring, underwriting, or risk operations (fintech, payments, or