Principal Business Analyst, Fraud

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. Sound like a mission you can get behind?

We're looking for a Principal Business Analyst, Fraud to design and test the defenses that stop fraudulent applications, reporting to the Director, Fraud.
The impact you'll make:

Right now, someone is filling out an application for their first credit card, hoping it's the start of something they can build on. Fraudsters have learned to mimic that same hope on paper. A thin credit file and a stolen identity can look nearly identical on the surface, and the line between them shifts as fraud tactics evolve. You'll build and test the logic that draws that line, making sure the real applicant gets a fair, fast answer, and the fraudster doesn’t get a credit card.

Mission Lane is still young, but we've landed in an exciting, stable stretch of maturation. We're still building but we've already got a solid foundation. There's never been a better time to learn and grow right along with us.
As Principal Business Analyst, Fraud, you will:

- Dig into application data to independently identify emerging fraud patterns and surface vulnerabilities before they scale.

- Design, build, and run A/B and Champion/Challenger tests to develop new real-time defenses against fraudulent applications.

- Balance risk and customer experience by translating test results into thoughtful, data-backed recommendations.

- Build and maintain dashboards that track defense performance against coverage, applicant friction and abandonment, and losses.

- Partner with Operations, Product, Data Science, and Engineering to continuously sharpen fraud detection capabilities.

- Mentor less experienced analysts on the team as they build their own fraud analytics judgment.

You'll thrive in this role if:

- You're comfortable working on an undefined problem. Application fraud data rarely comes with a clean hypothesis attached, and you enjoy framing the question as much as answering it.

- You know how to tell the story behind your analysis, not just report the numbers.

- You take ownership of your conclusions and can defend them under scrutiny, while always staying open to being wrong.

Minimum qualifications:

- 2+ years of experience in a highly analytical role (e.g., risk, business analytics, data science), with the majority of that experience spent working directly with data rather than individual case decisioning.

- Experience conducting analytical work with credit cards or other consumer lending products.

- Hands-on experience designing and executing A/B or Champion/Challenger testing within an application or risk funnel.

- Proven ability to independently frame an ambiguous question, form a hypothesis, analyze the data, and defend the answer with stakeholders.

- Strong familiarity with SQL, Python, or other tools for data analysis.

- Bachelor's or Master's degree in Economics, Finance, Engineering, Mathematics, or a similar quantitative field with a record of strong academic performance.

- Ability to travel ~4-6+ times per year for high quality in person collaboration.

Preferred qualifications:

- Direct experience in Fraud Strategy and Analytics.

- Expertise in SQL and Python.

- Experience helping scale a business in a fast-paced startup environment.

Compensation:
Annual full-time starting base salary range: $118,000-$135,000.

This role is eligible for additional compensation in the forms of participation in our annual incentive and equity programs.

Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/den