Payments Operations & Fraud Risk Analyst

JD.com; Greater London; On-site; GBP 45,000 - 65,000; Full time

Job summary

Joybuy, the JD.com European retail platform, seeks a data-driven Payment Operations & Risk Analyst to monitor and optimize its global payment ecosystem. You will investigate payment performance, mitigate fraud, and translate complex data into actionable improvements for product, engineering, and risk teams.

You will collaborate across functions to build scalable risk controls, improve settlement timelines, and enhance customer experience in a fast-growing international business.

Qualifications

• 2–5 years of experience in payment operations, data analytics, fraud risk management, or related roles.
• Strong analytical skills with hands-on experience querying and visualizing transaction data.
• Knowledge of online fraud detection concepts and risk mitigation tools.
• Experience with cross-border payments and multi-currency processing is a plus.

Responsibilities

• Optimize Fund Security and risk control to safeguard funds while enabling growth.
• Audit daily payment channel performance including latency and chargebacks.
• Prepare payment operations reports and identify abnormal transaction trends.
• Collaborate with product, engineering, and risk teams on improvements.
• Map end-to-end user journeys from initiation to settlement to identify friction.
• Detect and analyze fraud patterns and system abuse; refine detection rules.
• Maintain KPI dashboards for transaction volumes, costs, and risk metrics.
• Support strategic payment initiatives including new method onboarding.

Skills

Data analysis

SQL

Excel

Tableau/Power BI

Job description

Joybuy, the JD.com European retail platform, seeks a data-driven Payment Operations & Risk Analyst to monitor and optimize its global payment ecosystem. You will investigate payment performance, mitigate fraud, and translate complex data into actionable improvements for product, engineering, and risk teams.

You will collaborate across functions to build scalable risk controls, improve settlement timelines, and enhance customer experience in a fast-growing international business.