Merchant Risk Data Analyst

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.

Requirements

• 3+ years merchant risk experience in fraud detection, compliance monitoring, underwriting, or risk operations (fintech, payments, or lending preferred)
• Strong SQL skills for querying large datasets and performing complex data analysis
• Proficiency in Tableau (or similar BI tools) for building dashboards and visualizations
• Experience with predictive modeling and statistical analysis (regression, classification, clustering)
• Excel/Google Sheets expertise for data manipulation, pivot tables, and analysis
• Deep merchant risk knowledge: fraud patterns, financial distress indicators, compliance red flags, operational issues, borrower harm signals
• Analytical mindset with strong attention to detail and ability to spot patterns in complex data
• Clear communication to translate analytical findings for non-technical audiences

Benefits

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental, and vision insurance
• Flexible PTO
• Competitive 401(k)
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives