Manager, Risk Analytics at YapStone
Walnut Creek, CA, US

Developing innovative technologies to revolutionize the payments industry while helping customers transact in global marketplaces is not for the faint of heart.  We have big goals and are looking for people to join our team who want to leave a legacy. Just as you are committing to do your best work, Tom our CEO, commits to making this the best place you’ve ever worked. It’s a partnership from the very beginning.  If you are looking to step outside your comfort zone, learn new things, apply your skills, collaborate with brilliant people and have fun along the way, then you might be our next Yapster!  We promise to provide you with an amazing journey along your career.  At Yapstone, we don’t just accept difference — we celebrate it, we support it, and we thrive on it for the benefit of our employees. Yapstone is proud to be an equal opportunity workplace.

The Manager, Risk Analytics  will have responsibility to lead analytics and reporting efforts across multiple risk functions, including credit strategy, KYC & customer verification, and chargeback operations. Will represent the Risk department on cross-functional teams working on strategic projects impacting data management and analytics. Will support senior leadership with detailed analyses and reporting to ensure strategic and operational decisions are information-based. This position requires a person who can roll up their sleeves and make things happen, has strong “card not present” (CNP) credit and fraud risk experience, and has a successful track record in the digital payments and/or financial services environments (web, mobile) with a focus on risk management and analytics. Will lead a team of Risk and Business Intelligence Analysts supporting primarily Risk but also other functions.

Primary Responsibilities

    Analyze unique internal and external data to gain deep business knowledge and insight on customer activity and usage behaviors and their relationships with fraud and credit risk

    Identify trends, patterns, procedural and strategic opportunities that will improve loss prevention, detection results, and customer satisfaction.

    Perform analysis and enhance analytic tools to monitor portfolio credit risk and flag accounts for review

    Evaluate, analyze and leverage a range of statistical to recommend, review and implement decisions that will have a positive impact on the P&L.

    Conduct analysis of current and historic data (e.g. authorizations, write off data, chargebacks) to keep our systems and processes at the cutting edge of risk analytics.

    Conduct regular evaluation of portfolios from both an operational and financial benefit perspective. Suggest changes and improvements as necessary.

    Collaborate with cross-functional groups such as Compliance, Finance, Customer Support and Product Management to enhance tools, system functionalities, and loss mitigation methods.


    Bachelors/Post-Graduate degree in Quantitative field such as Statistics, Mathematics, Operational Research, Computer Science, Economics, or equivalent is desired with 3 to 5 years of total work experience

    Proven experience in employing mathematical models, statistical algorithms, and data mining on real world problems

    Required technical skills and experience with coding and scripting (SQL, R, Visual Basic) , dashboard and BI tools (Tableau, Crystal Reports) and database management (SQL Server)

    Expertise in manipulating and analyzing very large, complex, multi-dimensional data sets using SAS/SQL

    Ability to translate complex technical issues and advanced concepts into understandable terms for executives and business partners.

    Creative problem solver, analytical thinker, and quick learner. Strong conceptual and creative problem-solving skills; ability to work with considerable ambiguity; ability to learn new and complex concepts quickly. Relentlessly resourceful and scrappy

    Experience in ecommerce, payments or financial services with knowledge of Card Not Present (CNP) and ACH payments preferred

    Excellent written and verbal communication skills

Our Benefits

    We offer comprehensive health, dental, and vision wellness plans for you and your family with low employee premiums.
    You work hard every day to build the future of our company, so we’ll help you build your future with a 401(k) plan that features employer match.
    We encourage and support our teams to take time off to recharge and reboot because changing how the world pays is no easy task.
    We care about the community where we work. Through YapCares, you get 8 hours of paid volunteer time off each year to make a difference.
    Enjoy food, fun and camaraderie with breakfasts, dinners, snacks, social hours and events.
    A great location in the East Bay that is a reverse commute for many Yapsters, and we’re right across the street from BART.