We are Billie, the leading provider of Buy Now, Pay Later (BNPL) payment methods for businesses, offering B2B companies innovative digital payment services and modern checkout solutions. We are to create a new standard for business payments and have made it our mission to simplify the purchasing experience for all businesses making it a tool for growth. Our solutions are based on proprietary, machine-learning-supported risk models, fully digitized processes and a highly scalable tech platform. This makes us a deep-tech company building financial products, not the other way around. We love building simple and elegant solutions and we strive for automation and scalability.

About the role:

We are looking for a Lead Fraud Operations Analyst to own our fraud mitigation strategy as part of the Decision Science team. This is a hands-on role where you will lead and mentor a small team while also using your own analytical skills daily.

Your main focus is shifting fraud prevention from reactive to proactive. You will serve as the key operational liaison, partnering with our Data Science teams and business stakeholders in a high-impact role that blends deep analytics, team leadership, and strategy.

What you will do:

• Lead, mentor, and manage the Fraud Operations team, setting its strategic direction and managing performance.

• Use SQL and data visualization tools to analyze fraud trends, build KPI dashboards, and conduct root cause analyses on losses.

• Oversee and support complex investigations, manual transaction screening, and data labeling for AI models.

• Act as the fraud subject matter expert (SME), making critical decisions and serving as the primary contact for internal stakeholders.

• Partner with Engineering and Decision Science teams to test, deploy, and enhance fraud detection models.

• Standardize and document fraud detection processes for transparency and scalability.

What you bring to the team:

• You have 4+ years of proven, hands-on experience in fraud prevention/operations, risk analytics, or risk management, preferably within e-commerce, fintech, or banking.

• Demonstrated experience in people management, mentorship, or leading a small team/function is required, including managing performance and developing talent.

• Advanced proficiency in SQL for data extraction, manipulation, and statistical analysis.

• Exceptional communication and presentation skills at all levels, capable of translating complex analytical insights and technical topics into clear, data-driven business strategy and prioritization for executive (C-level) and junior audiences.

• Expertise in designing and maintaining professional data visualization and analytics tools (e.g., Tableau, Power BI, Looker).

• Strong commercial and business acumen coupled with a highly analytical and problem-solving mindset.

• Proven ability to thrive, lead, and maintain organization in a fast-paced, dynamic, and evolving environment.

• A strong sense of responsibility, ownership, and a proactive self-starter mentality, capable of setting objectives, managing deadlines, and driving results independently and through a team.

What we offer:

• Challenging and impactful work that drives personal and professional growth

• One of the best Virtual Shares Incentive Programs in the market, so that everyone at Billie is invested in our success

• Flexible work hours and trust in your ability to deliver, empowering you to take control of your work-life balance

• A hybrid working approach that allows you to work from home for up to 3 days per week

• Enjoy 30 days vacation per year, sabbatical opportunities, and extra child sickness leave for parents.

• Our “Catch a Ride with Billie” program that enables discounted access to Berlin Public Transport (BVG), Deutschland-Ticket, OR JobRad

• A yearly development budget to broaden your skill set and horizons

• Free German group classes

• An English-speaking, multicultural team with more than 40 nationalities

• Building meaningful connections with your colleagues through company and team events, interest groups, the Billie run club, game nights, and more, powered by our Formula Fun Team!

Billie is an equal opportunity employer and we do not discriminate on the basis of race, color, religion, sexual orientation, gender identity or expression, national origin, age, disability, or any other protected characteristic. We are committed to creating an inclusive environment where everyone feels they belong. All qualified applicants are welcome and we especially encourage you to apply, even if you don't check every box in the job description.

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