Fraud Strategy Lead – iwocaPay
Own the fraud strategy agenda for a B2B payment product that is transforming digital trade credit. Design transaction profiling strategies, monitor automated fraud models, and lead a small team to act on data insights.
Team
The Fraud Strategy Lead works within the iwocaPay risk squad, collaborating closely with iwoca’s Risk Modelling team, engineering, data science, and product functions.
Responsibilities
Shape the fraud function, closing the gap between analytical and operational risk. Define real‑time automated decisioning, set modelling priorities, and evaluate automated fraud models with embedded data scientists.
- Set and enforce risk appetite to keep the B2B checkout seamless while loss rates stay within tolerance.
- Guide Risk Analysts and collaborate across product and engineering to translate trade‑offs into commercial decisions.
- Build and maintain frameworks for credit policy, model governance, and seller counterparty risk.
- Present forward‑looking strategy to leadership and drive sequence of initiatives.
Qualifications
- Portfolio ownership: managed or materially contributed to a credit portfolio of £10M+ with accountability for fraud/credit loss performance.
- Experience delivering fraud strategy in digital lending, fintech, or payments, focusing on transaction profiling.
- Knowledge of B2B fraud typologies such as buyer impersonation, fictitious invoices, or merchant collusion.
- Managing fraud loss rates against high‑velocity volumes, balancing prevention with customer friction for high approval rates.
- Monitoring and evaluating automated fraud models, assessing feature quality, and guiding data scientists.
- Collaborate across engineering, data science, and product, translating trade‑offs into actionable decisions for non‑specialists.
- Background in mathematics, statistics, economics, or related quantitative discipline.
- Use AI tools to support analysis and decision‑making, applying sharp judgement for accuracy and risk awareness.
- Bonus: experience in B2B pay‑later or trade credit, assessing seller counterparty risk, and scaling risk functions during rapid growth.
Compensation
£110,000 – £130,000 per annum, with salary reviews and market benchmarking.
Benefits
- Flexible working hours.
- Medical insurance from Vitality with discounted gym membership.
- Private GP service for you, partner, and dependents.
- 25 days’ holiday plus birthday day, option to buy/sell extra leave, and unlimited unpaid leave.
- A one‑month fully paid sabbatical after four years.
- Access to external counselling and therapy sessions.
- 3% pension contributions on total earnings.
- Employee equity incentive scheme.
- Generous parental leave and nursery tax benefit scheme.
- Electric car scheme and cycle‑to‑work scheme.
- Two company retreats per year.
- Learning and development budget for all.
- Company‑wide talks with speakers.
- Access to learning platforms like Treehouse.
Fraud Strategy Lead – iwocaPay
Own the fraud strategy agenda for a B2B payment product that is transforming digital trade credit. Design transaction profiling strategies, monitor automated fraud models, and lead a small team to act on data insights.
Team
The Fraud Strategy Lead works within the iwocaPay risk squad, collaborating closely with iwoca’s Risk Modelling team, engineering, data science, and product functions.
Responsibilities
Shape the fraud function, closing the gap between analytical and operational risk. Define real‑time automated decisioning, set modelling priorities, and evaluate automated fraud models with embedded data scientists.
- Set and enforce risk appetite to keep the B2B checkout seamless while loss rates stay within tolerance.
- Guide Risk Analysts and collaborate across product and engineering to translate trade‑offs into commercial decisions.
- Build and maintain frameworks for credit policy, model governance, and seller counterparty risk.
- Present forward‑looking strategy to leadership and drive sequence of initiatives.
Qualifications
- Portfolio ownership: managed or materially contributed to a credit portfolio of £10M+ with accountability for fraud/credit loss performance.
- Experience delivering fraud strategy in digital lending, fintech, or payments, focusing on transaction profiling.
- Knowledge of B2B fraud typologies such as buyer impersonation, fictitious invoices, or merchant collusion.
- Managing fraud loss rates against high‑velocity volumes, balancing prevention with customer friction for high approval rates.
- Monitoring and evaluating automated fraud models, assessing feature quality, and guiding data scientists.
- Collaborate across engineering, data science, and product, translating trade‑offs into actionable decisions for non‑specialists.
- Background in mathematics, statistics, economics, or related quantitative discipline.
- Use AI tools to support analysis and decision‑making, applying sharp judgement for accuracy and risk awareness.
- Bonus: experience in B2B pay‑later or trade credit, assessing seller counterparty risk, and scaling risk functions during rapid growth.
Compensation
£110,000 – £130,000 per annum, with salary reviews and market benchmarking.
Benefits
- Flexible working hours.
- Medical insurance from Vitality with discounted gym membership.
- Private GP service for you, partner, and dependents.
- 25 days’ holiday plus birthday day, option to buy/sell extra leave, and unlimited unpaid leave.
- A one‑month fully paid sabbatical after four years.
- Access to external counselling and therapy sessions.
- 3% pension contributions on total earnings.
- Employee equity incentive scheme.
- Generous parental leave and nursery tax benefit scheme.
- Electric car scheme and cycle‑to‑work scheme.
- Two company retreats per year.
- Learning and development budget for all.
- Company‑wide talks with speakers.
- Access to learning platforms like Treehouse.
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