---
title: 'Lead Analyst - Portfolio Intelligence & Fraud Analytics at Nium'
canonical: 'https://feeny.ai/job/lead-analyst-portfolio-intelligence-fraud-analytics-nium-bengaluru-ykkphfvdzh0a'
type: 'job'
last_seen: '2026-11-05'
---

# Lead Analyst - Portfolio Intelligence & Fraud Analytics at Nium

- **Company:** Nium
- **Location:** Bengaluru, India
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-11-02
- **Last confirmed live:** 2026-11-05
- **Apply:** https://jobs.lever.co/nium/27bc36a0-da5e-42c0-b3f1-78b360b9e5eb

## Job description

About the role:

As a Portfolio Intelligence & Fraud Analytics Lead Analyst, you will play a critical role in helping Nium understand, monitor, and manage portfolio performance, fraud risk, payment abuse, and emerging customer behavior trends across its global payments ecosystem.

You will leverage data, analytics, and risk intelligence to identify opportunities, detect emerging risks, support fraud prevention initiatives, and provide actionable insights to business stakeholders. Working closely with Fraud, Risk, Compliance, Product, Operations, and Data teams, you will transform complex data into meaningful intelligence that supports business growth, effective risk management, and operational decision-making.

This role is ideal for a highly analytical professional who combines strong SQL and data analysis capabilities with an understanding of payments, fraud risk, portfolio monitoring, and customer behavior.

Key Responsibilities:

- Analyze customer, product, corridor, and market performance to identify emerging trends, risks, and growth opportunities.
- Develop and maintain portfolio monitoring dashboards and reporting frameworks and perform deep-dive analysis on customer segments, transaction behavior, payment flows, and portfolio concentration risks.
- Monitor key portfolio KPIs and KRIs, identifying significant changes and potential risk indicators.
- Conduct ad hoc analytical reviews to support business initiatives and strategic decision-making.
- Monitor fraud, chargeback, dispute, and payment abuse trends across products and geographies.
- Investigate fraud events to identify root causes, attack patterns, and control gaps.
- Support development and optimization of fraud rules, thresholds, and monitoring strategies.
- Assess fraud-control effectiveness and provide recommendations for improvement.
- Analyse customer friction metrics to balance fraud prevention objectives with customer experience.
- Support remediation activities for emerging fraud risks and elevated loss trends.
- Build and maintain dashboards using Looker, Power BI, Tableau, or similar analytics platforms.
- Develop and optimize SQL queries for fraud, portfolio, compliance, and operational reporting.
- Create recurring and ad hoc reports for Risk, Compliance, Product, and senior stakeholders.
- Develop data visualizations that communicate actionable insights effectively.
- Partner with Data Engineering teams to improve data quality, accessibility, and reporting capabilities.
- Monitor portfolio performance against internal risk thresholds and payment network requirements.
- Track fraud-to-sales ratios, chargeback ratios, dispute rates, approval rates, and transaction-risk indicators.
- Analyze emerging payment-risk trends and provide early warning indicators to stakeholders.
- Provide analytical support for fraud prevention, risk management, and portfolio optimization projects.

Requirements:

- 4-7 years of experience in Fraud Analytics, Portfolio Analytics, Payments Risk, Financial Crime Analytics, Business Intelligence, or Data Analytics.
- Strong analytical and problem-solving skills.
- Experience working with large datasets and identifying actionable insights.
- Advanced SQL skills and experience performing complex data analysis.
- Proficiency in Python for data analysis and automation.
- Experience building dashboards and visualizations using Looker, Power BI, Tableau, or similar tools.
- Understanding of payment ecosystems, fraud typologies, chargebacks, and transaction-risk indicators.
- Strong communication and stakeholder-management skills.
- Ability to present analytical findings to both technical and non-technical audiences.
- Preferred Qualifications
- Experience within fintech, payments, banking, card issuing, or acquiring environments.
- Knowledge of Visa and Mastercard fraud monitoring programs.
- Familiarity with AML, transaction monitoring, or financial crime controls.
- Experience with machine learning models or predictive analytics.
- Exposure to cloud data platforms such as Snowflake, Redshift, Databricks, or BigQuery.

## About Nium

## Company Overview
- **One-liner**: Nium provides a global real-time payments infrastructure that enables businesses to collect, convert, and disburse funds across borders instantly.
- **Entity Type**: Private (Series E, $314M total funding)
- **Headquarters**: San Francisco, California, United States
- **Founded**: 2016
- **Founders**: Prajit Nanu (CEO)

## Core Business
- **Primary industry/industries**: Financial Services, Fintech, Cross-Border Payments, Card Issuance
- **Target customers**: B2B – banks, fintechs, payroll providers, travel companies, marketplaces, AI platforms, and other businesses needing global payment capabilities.
- **Mission**: "To build the first global infrastructure for real-time payments."
- **Vision**: "A world where money moves instantly to everyone, everywhere."

## Products & Services
- **Multi-Currency Accounts**: Manage, hold, and convert funds in multiple currencies from a single platform.
- **Global Payouts**: Deliver funds to bank accounts, cards, or wallets across 190+ countries, with real-time capability in over 100 markets.
- **Nium Verify**: Instant bank account verification across 50+ countries to reduce failed payments.
- **Global Card Issuing**: Issue physical and virtual cards in 34+ countries, processing 41+ million card tokens annually.
- **Stablecoin-Backed Cards**: An end-to-end suite connecting digital assets to real-world payments.
- **Nium API**: A powerful, easy-to-use API for automation and growth, with comprehensive documentation and code snippets.

## Market Standing
- **Valuation**: Not publicly disclosed (last raised a $50M Series E extension in September 2024, per reports).
- **Key Metric**: Total Funding of $314M.
- **Notable Investors/Partners**: Investors include Visa, Bpifrance, Global Founders Capital, Vertex Ventures, and others. Partners include leading names in banking, travel, payroll, and blockchain.
- **Growth Signals**: Processes $60B+ in annual transaction volume. Named to CNBC's World's Top Fintech Companies 2024 and Forbes Fintech 50 for two consecutive years. Increased headcount by 6.7% YoY (639 employees). Secured a Type 1 Funds Transfer License from Japan's FSA and was approved as a Registered Financial Service Provider in New Zealand in 2024. Serves 1,000+ customers.

## Competitive Advantages
- **Regulatory Moat**: Holds licenses and authorizations in 40+ countries, a significant barrier to entry for competitors.
- **Broad Reach**: Payout network spans 190+ markets in 100+ currencies, with 100+ real-time markets.
- **One-Stop Platform**: Combines multi-currency accounts, payouts, card issuing, and verification in a single API, replacing multiple legacy systems.
- **First-Mover in Digital Assets**: Pioneered stablecoin-backed cards and a full suite connecting digital assets to real-world payments.

## Strategic Focus
- **Current priorities**: Expanding regulatory footprint (e.g., Japan, New Zealand, Australia), deepening stablecoin/blockchain infrastructure, and scaling its card issuance business. The company is focusing on enabling on-demand payments for the new workforce (gig workers, creators) and embedding compliance as a competitive advantage.

## Why Work Here
- **Culture**: Emphasizes three core values: "Keep It Simple," "Make It Better," and "Win It Together." Has a strong "Women @ Nium" community and a stated commitment to diversity and inclusion.
- **Work policy**: Hybrid – most team members are in the office 3 days per week globally.
- **Perks & Benefits**: Competitive salary and bonus plans, comprehensive benefits, generous parental leave, global socials and team-building events, year-end company-wide time off, peer and company recognition programs, and a learning and development stipend.
- **Global Environment**: A workforce distributed across 26 countries with offices in San Francisco, Singapore, the UK, the Netherlands, India, Malta, and more. Opportunities for global career mobility.
- **Engineering & Product Focus**: CEO Prajit Nanu leads product strategy, and the company is building next-generation payments infrastructure at scale, offering the chance to work on high-impact, real-time systems.

## Sources
1. [nium.com](https://www.nium.com/about-us)
2. [nium.com](https://www.nium.com/)
3. [nium.com](https://www.nium.com/careers)
4. [linkedin.com](https://www.linkedin.com/company/nium-global)
5. [jobs.lever.co](https://jobs.lever.co/nium)
6. [crunchbase.com](https://www.crunchbase.com/organization/nium) (implied via funding data)
7. [forbes.com](https://www.forbes.com) (cited as "Forbes Fintech 50")
8. [cnbc.com](https://www.cnbc.com) (cited as "CNBC's World's Top Fintech Companies")

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