Senior Data Analyst for Fraud

Present in more than 30 countries, BNP Paribas Personal Finance leads the personal and consumer credit business. In some markets, we are leaders and we invest in innovation to open up new opportunities, in others we are a fast-growing business.

We are committed to promoting access to more responsible and sustainable consumption to support our customers and partners. To achieve this, we implement concrete actions, not only in the way we develop our business and enhance our sustainable growth, with the ambition to reduce our environmental footprint, but also in the way we support those who need it most.

BNPP Personal Finance is, by nature, exposed to Fraud, and relies heavily on quantitative models and strong analytics to manage it. Each day, millions of credit granting decisions are made, using hundreds of decision rules and models. The importance and complexity of these ecosystems at use within BNPP-PF keep on rising as the digital transformation accelerates.

**In practice, your day-to-day
- Credit Process Optimization team has been created in 2018 within Risk Personal Finance Global Credit Decision-making Policies, in Risk corporate teams. During first years, the team has realized numerous optimization projects, both on Fraud & Risk topics, and, capitalizing on them, has developed a first set of analytical modules to speed-up these projects locally.
- This position is dedicated to support Germany’s local risk team by optimizing the fraud decision processes through an analytical approach. Responsibilities include analyzing fraud patterns, developing, and implementing measures to mitigate fraud and coordinating projects with both local and central stakeholders during the implementation of the new IT system. The main activities will be:
- Contribute to the identification of optimization levers on risk & fraud decision process
- Support the formalization and further development of effective strategies to manage and prevent fraud
- Develop and optimize analyses and reports used to support management decisions
- Define and modify necessary data sources and reports in collaboration with internal and external providers
- Follow Risk & Fraud rules efficiency and find ways of optimizations through analytical methods and using our internal set of modules dedicated to optimization topics (RBO Toolkit)
- Measure the added-value of each optimization project by the definition and valuation of key performance indicators
- Provide contents for trainings to partners and employees
- Maintain and optimize anti-fraud tools. Monitor their performance and prepare proposals to increase their effectiveness and efficiency
- Advise internal stakeholders on fraud topics
- Support communications departments in the procurement of contents that support internal and external partners in detecting and preventing fraud

The Mission is important, but working environment is also important
- Within BNP Paribas Personal Finance Central Risk Department is responsible for the relevance of risk rating models used within all local entities and for maintaining a high level of expertise with integrating new statistical techniques in new modelling environments. You will operate in a friendly and international work environment, designed to make the collaborating experience as pleasant as possible
- You will have regular exchanges with the Central (this will help to build up competence based on different cultures and levels of responsibility).
- You will participate to projects and strategics activities, part of the Strategic Plan of BNPP PF.

What do we have to offer you?
- The team is evolving in a strategic and challenging environment within Personal Finance and has interactions with different central and local directions. Working in an international environment, the Fraud Credit Process Optimization Data analyst develops his/her knowledge on local specificities: products, market, risk,

Are you the one we are looking for?
- Have you a few experiences in Credit Risk Management, ideally in Fraud, with mathematical/statistical background and a few years of successful experience, preference in a Bank, a financial environment, or a digital business?
- Are you able to work on several projects at the same time and are known for your rigor?
- Are you comfortable communicating orally and in writing with different interlocutors and sharing information?
- Are you doing everything you can to achieve your goals?
- Do you know Python or other database language (SAS, SQL)?
- Do you have a good knowledge in Excel and Power point?
- Do you have important analytics & business skills as:

- Applied Math and Algorithms
- Data Processing, Data Knowledge
- Descriptive Modelling and Predictive Modelling
- Ability to understand, explain and support change
- Analytical Ability
- Ability to collaborate/Teamwork
- Ability to Synthetise/Simplify
- Do you speak English? German is a plus.
- If you have all this, a lot of desire, energy, and good mood, then you are the one