Threat and Analytics Lead

GoCardless; Lisboa; Presencial; EUR 53 000 - 79 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Wellbeing - medical cover

Work away scheme

Adaptive Working

Parental leave

Learning Budget

Holiday + volunteer days

Resumo da oferta

GoCardless is seeking a Threat & Analytics Lead to build a data-driven understanding of fraud and financial crime risk. You will analyse large datasets, surface patterns, measure control effectiveness, and help prioritise prevention and detection investments across the customer lifecycle.

You’ll collaborate with Product, Engineering, Operations and Data Science to translate insights into actionable outcomes, driving risk reduction and business performance with autonomy and seniority.

Qualificações

• Strong analytical capability and experience with large datasets using SQL, Python and BI tools.
• Ability to translate complex data into clear, actionable insights for non-technical stakeholders.

Responsabilidades

• Analyse large, complex datasets to surface patterns, trends and risk concentrations across the customer lifecycle.
• Measure how well existing controls are working and identify where prevention and detection need to get stronger.
• Collaborate with Product, Engineering, Operations and Data Science to inform strategy and investments.
• Influence decisions through evidence and develop analytical frameworks for fraud and financial crime risk.

Conhecimentos

Analytical thinking

SQL

Python

BI tools

Statistical analysis

Data storytelling

Ferramentas

SQL

Python

BI tools

Descrição da oferta de emprego

About us

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect, manage and send bank payments through Direct Debit, real-time payments and open banking. With US$130bn+ processed annually across 30+ countries, we handle recurring and one-off payments without the chasing, stress, or expensive fees. Our end-to-end payment platform also features AI-powered solutions to improve payment success and reduce fraud, alongside connections to over 350 platforms businesses use everyday. We are headquartered in the UK, with teams and operations spanning North America, Europe and Asia-Pacific.

The role

The Threat & Analytics Lead builds GoCardless's data-driven understanding of fraud and financial crime risk. You'll bring specialist analytical expertise to both domains, helping the business understand emerging threats, measure how well existing controls are working, and identify where prevention and detection need to get stronger. Your evidence and insights will inform our strategy and how we prioritise our investments. You'll work closely with Product, Engineering, Operations and Data Science to analyse large, complex datasets and surface patterns, trends and risk concentrations across the customer lifecycle, spanning fraud prevention, transaction monitoring, sanctions screening, customer risk management and broader financial crime work. You’ll work hand-in-hand with the teams who own fraud and financial crime strategy, governance, policy and operational delivery. The Threat & Analytics Lead is a senior-level role with a high level of complexity, autonomy and expectation of impact.

What excites you

• Getting to the root cause of problems — not just reporting what’s happening, but understanding why


• Working with data to uncover patterns that aren’t immediately obvious


• Bringing structure and clarity to complex or ambiguous problems


• Influencing decisions through evidence rather than opinion


• Building analytical frameworks and approaches that improve how we understand fraud and financial crime risk


• Seeing your work directly impact fraud losses, detection and business performance

What excites us

You have strong analytical capability and are confident working with large datasets using SQL, Python and BI tools. You have experience applying statistical and analytical techniques to large datasets to identify patterns, measure performance and assess risk. You are able to translate complex data into clear, actionable insights that non-technical stakeholders can understand. You are comfortable working across multiple stakeholders and influencing without direct ownership. You take ownership of problems, bring structure to ambiguity, and drive work through to completion. You are comfortable working toward a high level organisational KPI and independently developing and validating hypotheses to create impact.

Nice to have

• You have experience analysing fraud or financial crime data in payments, fintech or financial services industries


• Experience working closely with Product, Engineering or Data Science teams


• Experience building or scaling analytical functions

Base salary range

€ 4730 - € 7100 EUR (gross) (including the 13th and 14th salary) Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point (€4730 - €5910 EUR (gross)) of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work. (some of)

The good stuff

• Wellbeing - stay healthy with dedicated support and medical cover


• Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period


• Adaptive Working - allows you to work flexibly, around your lifestyle


• Parental leave - to suit everyone embarking on life's great adventure


• Learning Budget - lead your own development with an annual learning budget


• Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’)

Life at GoCardless

We’re an organisation defined by our values ; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity , always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.

Diversity & Inclusion

As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25%.

• Neurodiverse — 9%


• LGBTQIA+ — 9%


• Disabled — 1%


• Average age — 33


• Female — 45%


• Male — 55%

Sustainability

We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter , Instagram and LinkedIn .