Risk & Fraud Analytics Analyst

About PayJoy   PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.  Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system.  Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life.  PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.   This role We are looking for an exceptional new graduate to join our Risk & Fraud team. In this role, you will use data science and machine learning to underwrite customers and detect, prevent, and mitigate fraud across our platform. You will work at the intersection of machine learning, data, and strategy—building models and decisioning systems that protect customers while enabling responsible growth. This is a high-impact role where your work will directly influence loss prevention, user experience, and business performance.