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Oportun. Inc Director, Fraud Analytics in San Carlos, California


Oportun (Nasdaq: OPRT) is a financial services company that leverages its digital platform to provide responsible consumer credit to hardworking people. Using A.I.-driven models that are built on 15 years of proprietary customer insights and billions of unique data points, Oportun has extended more than 4 million loans and over $10 billion in affordable credit, providing its customers with alternatives to payday and auto title loans. In recognition of its responsibly designed products which help consumers build their credit history, Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009.


Oportun is able to provide affordable and responsible loans to traditionally unserved consumers, and score 100%of its loan applicants. Since its first loan in 2006, Oportun has saved its customers more than $1.8 billion in interest and fees when compared to other options typically available to people with little or no credit history. By reporting repayment performance to the major credit bureaus, the company has also helped more than 890,000 people begin to establish a credit history.


We are building a world-class fun, entrepreneurial and analytical minded team who want to innovate, truly help people, and build a great company. Be part of the team responsible for developing and enhancing Oportun’s core intellectual property used in scoring risk and managing fraud for underserved consumers that often lack a traditional credit bureau score. This is an exciting opportunity in a fast-paced organization where your contributions can have a meaningful impact on increasing access to Oportun’s affordable, credit building loan product for underserved consumers.

We are enhancing our fraud management capabilities that will allow Oportun to continue to scale loans originated via a mobile device. In this role you will be working with large and diverse data sets (i.e. data from dozens of sources including social, transactional, online, device, financial, and alternative bureaus) and utilize machine learning to build scores and strategies for managing fraud. You will lead the design, development and execution of fraud strategies that will deliver a great customer experience while keeping fraud losses manageable. You will work directly with our team of Engineers and Product Managers to implement the fraud strategies your team designs into our proprietary loan originations and fraud management platform.

  • Lead the development of fraud strategy and credit verification roadmap to leverage data and technology to manage fraud, instant approvals, improve customer experience and drive increased loan volumes

  • Share fraud and credit verification strategy vision with key stakeholders to obtain buy-in and to drive result focused execution

  • Lead the development of strategies, rules and the execution used in predicting and preventing fraud

  • Collaborate with the data science team to develop the fraud models and translate those learnings into an actionable strategy

  • Develop key metrics to track the performance of fraud and verification strategies and is accountable for meeting the set goals.

  • Identify new data sources and technology that can be used in improving fraud management and verification by working with technology and data vendors

  • Collaborate with Engineering and product analytics team to improve fraud engine capabilities, automate verification processes and improve customer experience

  • Develop reporting and analysis used to monitor fraud and verification trends and drive improvements in customer experience

  • Master’s degree (or PhD) in Statistics, Mathematics, Operations Research, Computer Science, Economics or other quantitative discipline. Bachelor’s degree with significant relevant experience will be considered.

  • A relentless problem solver, out of the box thinker, and proven track record to drive business results in a timely manner

  • Strong SQL, Python and/or SAS skills are required

  • Excellent written and oral communication skills

  • 6+ years of fraud analytics experience in online financial services, preferably in lending

  • 2+ years of experience in developing machine learning based solutions for fraud detection

  • 2+ years of people management experience



Req No.: 2021-10134

External Company Name: Oportun Inc

External Company URL:

Street: 2 Circle Star Way