Overview

At Chexy, we’re reshaping the way money moves - making payments smarter, faster, and more rewarding. We started by being the first in Canada to let people pay their biggest and most painful bills with credit cards and earn rewards on money they had to spend anyway. Now, we’re on a much bigger mission: to build a super app that acts as your co-pilot for all your money—helping you get more value from every dollar you spend. As a high-growth fintech startup, we’re at the forefront of payments innovation, and we’re looking for hungry, ambitious people to help us scale. If you thrive in a fast-moving, high-energy environment and want to be part of something big, we’d love to work with you.

The Role

We’re looking for a sharp, high-ownership Data & Fraud Operations Analyst to serve as the analytical heartbeat of Chexy’s financial ecosystem. This is a full-time, onsite position (5 days a week) at our Toronto office, serving as our operational "Nerve Center." We believe that staying ahead of modern fraud requires the kind of real-time, side-by-side collaboration and rapid decision-making that only happens when we’re in the same room. In this role, you will initially own the end-to-end Fraud Operations experience—analyzing real-time transaction patterns and building the playbooks for our dispute and chargeback lifecycle. But you won't just stop at defense. As you master our financial plumbing, you will pivot into a broader Data Analytics & Strategy capacity. You will use SQL, Python, and ML-driven insights to design the workflows, feature engineering, and automation logic that allow Chexy to scale.



You won't just be following processes; you’ll be building the data infrastructure and AI-assisted standards that protect our revenue and ensure a seamless experience for every renter on our platform.

Key Responsibilities

- Fraud Mitigation & Chargeback Management: Monitor real-time transaction flows to identify and intercept fraudulent activity. You will take full ownership of the chargeback lifecycle, including investigating disputed transactions, preparing representment evidence, and implementing strategies to improve recovery rates.
- Data Analytics & Business Intelligence: Act as a central data resource for the company. You will query complex datasets to answer critical business questions, uncover revenue opportunities, and provide the "data truth" that drives product decisions across Marketing, Growth, and Operations.
- ML & AI Model Optimization: Collaborate with engineering to refine our fraud detection algorithms. You will identify current features (variables) based on behavioral trends, test AI-driven risk scoring models, and help "train" our internal systems to spot anomalies faster than a human could.
- Behavioral Analysis: Conduct deep-dive investigations into sophisticated "gaming" behaviors and churn patterns to distinguish between legitimate power-users and those attempting to exploit rewards systems.
- Data Visualization: Design and maintain comprehensive dashboards in Power BI to track critical KPIs related to fraud prevention, chargeback ratios, operational efficiency, and general business health.




- Operational Automation: Utilize SQL and Python to automate manual workflows, ensuring our operations remain lean and scalable as our user base grows.

Qualifications

- Technical Command: Advanced SQL skills are a must. You should be comfortable navigating complex, multi-layered databases to extract the "story" behind the numbers. You don’t just run queries; you build them to be efficient and scalable (a technical assessment will be part of the process).
- Data Science Fundamentals: Have experience or knowledge of basic academic exposure to Python (Pandas, NumPy) and basic Machine Learning concepts. You understand how to prepare data for analysis and have a curiosity for how AI can solve operational inefficiencies.
- The Analytical Edge: You possess an exceptional "sixth sense" for identifying anomalies within large datasets. You have a proven track record of spotting sophisticated gaming behaviors and fraud trends before they impact the bottom line.
- Data Storytelling: Strong experience with Power BI (or similar BI tools) to transform raw data into executive-level dashboards. You know how to distill complex financial movements into clear, actionable KPIs for our leadership team.
- Academic Background: A degree in Data Science, Statistics, Computer Science, Finance, or a related field. You have the theoretical foundation to back up your practical experience.
- Experience & Grit: You bring 3–5 years of experience navigating the high-speed world of fintech, data analytics, or startups. You’ve "seen the movie before" when it comes to messy data, fraud cycles, and regulatory hurdles, and you’re ready to hit the ground running on Day 1.
- Strategic

📌 Senior Data (Toronto)
🏢 Chexy
📍 Toronto