About Envisso

Envisso is a global fintech founded by a team with deep financial services experience and with backing from some of the world’s leading Venture Capital investors. We are reinventing the way risk is managed in payments, by unlocking the value of the massive amount of data payments companies have access to.

Merchant Acquiring companies (also referred to as ‘Payment Services Providers’ (PSPs)) face risks from the merchants they process payments for, due to the fact that card scheme rules (Visa, Mastercard, Amex and others) require that the payments company is responsible for any failure of the merchant to operate properly or make good on their obligations. Depending on the size and type of the merchant these risks can be significant and PSP’s must take measures to protect themselves against the associated costs. 

Envisso is solving this via:

1. Envisso Monitor: uses payments data alongside data from 3rd parties (such as credit reference agencies) and from the merchants own website to automatically monitor merchants for changes in their risk profile. 
2. Envisso Protect: a first of its kind insurance protection against the cost of default by merchants on their chargeback obligations. Premiums are based on individual merchant risk and are charged as a percentage of payment volumes. 

Within Envisso we are building and deploying best-practice approaches to monitoring and mitigating these risks. We are looking for data scientists to both build using best-in-class techniques, but to also advance the knowledge and approaches in these areas and to help us to continue to build our unique and valuable intellectual property.

We are a remote first organisation so you can be based anywhere globally, albeit being proximate to Singapore or the UK is preferred to facilitate face to face sessions with other team members when needed. We believe diverse teams win and welcome applications from people of all backgrounds. Envisso has built a collaborative, flexible and supportive culture where everyone can thrive. 

Summary of the role

We’re looking for someone who is excited at the prospect of facing new and difficult data challenges. Someone who is comfortable working as part of a team who are building things from scratch. We’re looking for someone with deep technical skills, but who is really motivated by making an impact on our business and our customers. 

Key Responsibilities

• Use advanced analytics alongside, where necessary account-level reviews to monitor and assess the portfolios of our partners to ensure we obtain and maintain a deep understanding of where the existing and emerging risks are coming from.
• Build, implement and monitor new predictive rules and models which help us expand our capabilities around accurately understanding the level of risk the merchants our partners are presenting.
• Liaise with various payments firms and insurers to understand their needs and help shape the solutions we bring to market.

Role Requirements

• 1-3 years experience conducting portfolio analysis in Python and extracting/manipulating data in SQL
• 1-3 years experience in consulting and/or start-up environments
• Commercial acumen and an understanding of the economics underpinning credit or payments portfolios
• Able to work autonomously and to display strong judgement and proactivity

Nice-to-Haves

• Experience with supervised models (e.g. logistic regression, gradient boosting) and unsupervised methods (e.g. clustering, anomaly detection).
• Experience in a role embedded within a risk team (could be fraud, credit or similar)
• Professional experience in the financial services industry
• LLM prompt management or agentic experience
• The ability to understand overall company economics and to read financial statements

Note: The nice-to-have qualifications are not mandatory but would be considered as additional strengths for the role.

Perks

• Flexible, remote-first working arrangements.
• Opportunities for significant professional growth and advancement within a company at the forefront of transforming risk management in payments.
• Globally-focused company, with exposure to Asian, European and American markets.
• A competitive compensation package, including company equity and performance incentives.
• Private healthcare employee insurance

Join Us!

At Envisso, we believe in the power of diverse teams to drive innovation. We are committed to fostering a collaborative, supportive, and inclusive environment. If you are ready to play a crucial role in shaping the future of payment risk management, we would love to hear from you!

Preference will be given to candidates who are currently authorized to work in Singapore and do not require visa sponsorship.