Senior Risk Management Analyst, Cards

Role Overview

We're seeking a Senior Risk Management Analyst, Cards to own the data and risk intelligence behind Trovy's card product. You'll build the analytics infrastructure that drives card portfolio strategy, monitor and manage transaction fraud, and deliver the insights that keep Trovy's card performing well for both borrowers and the business. This role has clear ownership distinct from Trovy's credit and underwriting function, which focuses on origination and HELOC servicing. You'll work closely with our BIN sponsor and card network partners, and have direct influence on how Trovy's card product evolves. This is a senior IC role with meaningful growth potential as the card portfolio scales.

Key Responsibilities

Card Portfolio Analytics

• Own end-to-end card portfolio analytics: spend behavior, draw patterns, utilization, interchange economics, and cardholder engagement

• Build and maintain portfolio performance reporting for internal leadership, board, and lending partners

• Develop cohort and vintage analyses to track cardholder behavior over time and identify trends early

• Analyze the relationship between card usage and HELOC draw activity to surface insights on product engagement and cross-product behavior

• Model interchange revenue, rewards cost, and net card economics to inform product and pricing decisions

• Partner with finance on card-related forecasting and portfolio projections

Fraud Risk & Detection

• Own Trovy's card fraud strategy across transaction fraud, card-not-present fraud, account takeover, and friendly fraud

• Build and maintain fraud detection rules, velocity controls, and behavioral models in partnership with product and engineering

• Monitor fraud loss trends by channel, merchant category, and cardholder segment, and respond to emerging patterns in real time

• Manage chargeback and dispute analytics, including win rate tracking and root cause analysis

• Evaluate and optimize third-party fraud tooling

• Coordinate with Trovy's BIN sponsor on fraud reporting, rule alignment, and network compliance requirements

Experimentation & Optimization

• Design and analyze experiments across fraud controls, card features, and rewards, balancing loss reduction with cardholder experience

• Build frameworks to evaluate the tradeoff between fraud prevention and false positive rates on legitimate transactions

• Develop prioritization models for fraud intervention investments based on loss impact and operational cost

Reporting & Stakeholder Communication

• Deliver regular fraud and portfolio performance readouts to leadership, with clear narratives and recommended actions

• Support board and investor reporting with accurate card portfolio metrics

• Communicate fraud trends and control changes to bank and network partners in a clear, structured format

• Translate complex analytics into actionable recommendations for non-technical stakeholders across product, compliance, and operations

Qualifications

• 7+ years of experience in card analytics, fraud risk, or a closely related field at an issuer, fintech, or payment network

• Deep expertise in card transaction fraud — CNP, ATO, friendly fraud — and the detection and prevention tooling that supports it

• Strong card portfolio analytics background: interchange, spend analytics, utilization, cohort analysis, and cardholder behavior modeling

• Advanced SQL skills; proficiency in Python or R strongly preferred

• Experience with fraud detection platforms such as Feedzai, Sardine, Sift, or similar — ability to evaluate and optimize tooling is a plus

• Familiarity with Mastercard or Visa network rules, chargeback processes, and BIN sponsor relationships

• Card issuer experience required (fintech or bank)

• Comfortable operating as a senior IC in a fast-moving, early-stage environment

What You'll Bring

• Deep analytical instincts — you live in the data and know how to find the signal in the noise

• A proactive approach to fraud risk — you're thinking three steps ahead, not just reacting to losses

• Strong judgment on when to tighten controls and when friction hurts more than it helps

• Ability to build from scratch — frameworks, models, and reporting infrastructure that didn't exist before you arrived

• Clear, confident communication with both technical teams and senior leadership

Compensation & Benefits

• Compensation: Base Salary: $160,000 - $180,000 + Meaningful equity participation.

• Market Opportunity: Join a team tackling the $30T home equity market.

• Early Impact: Help shape our operations from the ground up.

• Ownership: Competitive salary, meaningful equity, and room to grow.