Merchant Risk Analytics & Predictive Insights

Uplift; Atlanta (GA); Remote; USD 100,000 - 160,000; Full time

Benefits offered by this job

Stock options

Medical coverage

Flexible PTO

401(k)

Growth opportunities

Parental leave

Wellness program

Job summary

Upgrade is seeking a Merchant Risk Data Analyst to transform how we identify and mitigate merchant risk through data analysis and visualization. You will build predictive models, automated monitoring triggers, and actionable insights to safeguard our platform from fraud and compliance violations.

You will turn millions of transactional data points into strategic risk decisions, collaborating with Engineering and Product to implement monitoring workflows and executive-level reporting.

Qualifications

• 3+ years merchant risk experience in fraud detection, compliance monitoring, underwriting, or risk operations.
• Strong SQL skills for querying large datasets and performing complex data analysis.
• Proficiency in Tableau for building dashboards and visualizations.
• Experience with predictive modeling and statistical analysis (regression, classification, clustering).
• Excel/Google Sheets expertise for data manipulation, pivot tables, and analysis.

Responsibilities

• Analyze large volumes of transactional data to identify merchant risk patterns and trends.
• Build predictive models to forecast merchant fraud, financial distress, compliance issues, and operational red flags.
• Develop risk scoring methodologies that prioritize high-risk merchants for proactive review.
• Create early-warning systems for financial distress, fraud patterns, compliance violations, and operational deterioration.
• Collaborate with Engineering and Product to operationalize triggers into monitoring workflows.
• Build and maintain Tableau dashboards for merchant investigations using transactional data, WIP trends, chargeback patterns, and complaint analysis.

Skills

SQL

Tableau

Predictive modeling

Excel

Analytical thinking

Communication

Merchant risk knowledge

Tools

Python

R

Job description

Upgrade is seeking a Merchant Risk Data Analyst to transform how we identify and mitigate merchant risk through data analysis and visualization. You will build predictive models, automated monitoring triggers, and actionable insights to safeguard our platform from fraud and compliance violations.

You will turn millions of transactional data points into strategic risk decisions, collaborating with Engineering and Product to implement monitoring workflows and executive-level reporting.