Portfolio Risk Analyst

About Payoneer
Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world's underserved businesses to a rising global economy. We're a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.

By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.

Role Summary
We are seeking a highly motivated and experienced Portfolio Risk Analyst to join our Compliance organization. This role combines strategic oversight and hands-on execution, focusing on managing and optimizing the risk profile of a key financial product and its' users, with a strong emphasis on fraud prevention, data analytics, monitoring, automation and control creation.

The ideal candidate is a data-driven problem-solver with a strong background in fraud risk, credit card payments, or e-commerce, and is passionate about protecting users and businesses from evolving threats. You will thrive in a fast-paced, dynamic environment, collaborating cross-functionally with Product, Data, Operations, and external vendors to ensure a best-in-class risk posture.

What You'll Do

• Manage and oversee the risk portfolio of a major financial product, including end-to-end risk and fraud performance monitoring.
• Develop and maintain a comprehensive fraud\service not rendered chargeback framework, including rule-writing, scoring strategies, and risk engine optimization.
• Analyze complex datasets and user behaviors to identify risk patterns, fraud trends, and mitigation opportunities.
• Build, monitor and communicate (written/verbally) KPIs and benchmarks to measure fraud prevention performance at the portfolio, product, and merchant levels.
• Own and drive the development of policies, processes, and documentation for fraud prevention and risk portfolio management.
• Collaborate closely with product managers, analysts, operations teams, and third-party vendors to implement and refine risk tools.
• Ensure the functionality and effectiveness of fraud detection systems; track rule effectiveness, precision rates, recalls rates, false positives, vendor performance, and communicate main OKRs to C-level executives.
• Handle complex fraud escalations and support risk-related ad hoc projects and initiatives.
• Stay ahead of evolving fraud threats and regulatory changes impacting the fintech and e-commerce landscapes.

Who You Are

• 5+ years of hands-on experience in fraud risk management, portfolio risk, or online payments, preferably in a fintech or e-commerce company.
• Bachelor's degree in a related field.
• Proven experience with fraud rules and risk engine configuration.
• Strong analytical skills with hands-on SQL experience and advanced Excel capabilities.
• Demonstrated ability to work with large datasets, identify trends, and translate analysis into actionable strategies.
• Experience working with fraud detection and prevention systems, including scoring models and risk vendors.
• Familiarity with the full fraud lifecycle: prevention, detection, and recovery.
• Strong verbal and written communication skills; capable of working with both technical and business stakeholders, and company executives.
• Strong attention to detail paired with a strategic, big-picture mindset.
• Ability to work independently, prioritize effectively, and lead initiatives with a proactive, can-do attitude.
• Excellent team player with strong cross-functional collaboration skills.

The Payoneer Ways of Working
Act as our customer's partner on the inside
Learning what they need and creating what will help them go further.
Do it. Own it.
Being fearlessly accountable in everything we do.
Continuously improve
Always striving for a higher standard than our last.
Build Each Other Up
Helping each other grow, as professionals and people.
If this sounds like a business, a community, and a mission you want to be part of, apply today.

We are committed to providing a diverse and inclusive workplace. Payoneer is an equal opportunity employer, and all qualified applicants will receive consideration for employment no matter your race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you require reasonable accommodation at any stage of the hiring process, please speak to the recruiter managing the role for any adjustments. Decisions about requests for reasonable accommodation are made on a case-by-case basis.