Fraud Lead, Consumer Lending (Remote • Stock Options)

Openkrill; United States; Remote; USD 120,000 - 160,000; Full time

Benefits offered by this job

Competitive salary

Initial stock options grant

Annual performance bonus

401(k)

Job summary

Félix is seeking a Fraud Lead for Consumer Lending to protect unit economics in the Send Now Pay Later product. You will architect fraud prevention across instant conversational interfaces and cross-border lending, building from scratch and coordinating with the fraud organization.

You will balance growth with security and profitability. The role requires deep analytical skills, experience with BNPL or digital wallets, and the ability to translate complex fraud signals into actionable business

Qualifications

• 4–5+ years of hands-on Fraud Risk Strategy and Prevention in consumer lending or BNPL.
• Strong SQL and data manipulation skills to analyze transactional logs with autonomy.
• Experience with modern decision engines and deploying ML risk models in production.
• Deep understanding of fraud vectors (ATO, synthetic fraud) and OSINT threat detection.
• Ability to translate fraud patterns into actionable business risks for executives and teams.

Responsibilities

• Design, launch, and refine fraud typologies for WhatsApp-based lending.
• Own repayment fraud, identity spoofing, and chargeback analytics; block exploitation vectors.
• Own core fraud metrics across the lending vertical without hurting conversion.
• Design rule logic in decision engines and collaborate with Data Science for model deployment.
• Work with Operations and Engineering to scale blocking protocols and investigation workflows.
• Coordinate with Legal & Compliance to monitor SARs and exploit patterns.

Skills

Fraud Risk

Data Analytics

SQL

MLOps

OSINT

Cross-Functional

Tools

Taktile

Provenir

Alloy

Job description

Félix is seeking a Fraud Lead for Consumer Lending to protect unit economics in the Send Now Pay Later product. You will architect fraud prevention across instant conversational interfaces and cross-border lending, building from scratch and coordinating with the fraud organization.

You will balance growth with security and profitability. The role requires deep analytical skills, experience with BNPL or digital wallets, and the ability to translate complex fraud signals into actionable business