Fraud Analytics Manager — Consumer Lending Growth

Rate; United States; On-site; USD 130,000 - 170,000; Full time

Job summary

Rate is building one of the industry’s most ambitious consumer lending platforms. We are seeking a Fraud Analytics Manager, Consumer Lending to apply data analytics to fraud and identity risk across our lending ecosystem.

You will drive fraud analytics, surface actionable insights, and develop recommendations to strengthen defenses while minimizing customer friction. You’ll collaborate with Product, Engineering, Credit Risk, Data Science, Operations, Finance, and Compliance to build scalable

Qualifications

• 5+ years of experience in fraud strategy or consumer risk in lending.
• Experience designing fraud strategies for digital consumer lending products.
• Solid understanding of modern fraud decisioning and automated risk management.
• Strong SQL and Python proficiency for data extraction and analysis.

Responsibilities

• Monitor and analyze key fraud metrics across lending products and channels to spot trends.
• Elevate analytics framework with data, ML/AI, and advanced analytics for fraud decisioning.
• Identify gaps in identity, application, funding, and post-book fraud and assess third-party solutions.
• Design challenger strategies and test-and-learn agendas to quantify impact on fraud and approvals.
• Develop automated, score-based fraud decisioning to reduce manual reviews and improve speed.

Skills

SQL

Python

Fraud Analytics

Data Analysis

Tools

SQL

Python

Job description

Rate is building one of the industry’s most ambitious consumer lending platforms. We are seeking a Fraud Analytics Manager, Consumer Lending to apply data analytics to fraud and identity risk across our lending ecosystem.

You will drive fraud analytics, surface actionable insights, and develop recommendations to strengthen defenses while minimizing customer friction. You’ll collaborate with Product, Engineering, Credit Risk, Data Science, Operations, Finance, and Compliance to build scalable