Fraud Risk Director

About NeloNelo is a leading consumer fintech and e-commerce platform in Mexico, with >$500MM in annualized GMV and >$70MM in annualized revenue. Our mission is to increase the buying power of consumers in Latin America, and we are doing so by building a modern alternative to credit cards.Nelo has raised over $40M of venture capital from investors including Homebrew, Two Sigma Ventures and Susa Ventures. Nelo has additionally raised a $100M asset credit facility from Victory Park Capital.Our lean team includes experienced leaders from top technology companies including Uber, Amazon, Rappi, and DiDi. We pride ourselves on our velocity, intellectual rigor, and efficiency. Nelo has offices in Mexico City and New York City.Why this Role is DifferentMost fraud roles are reactive. You sit in a queue, you review tickets, and you hope the rules engine catches the big stuff.This isn't that job.At Nelo, you are the shield. We are fighting an asymmetric war against AI-enabled threat actors in a high-velocity market (LatAm). The fraudsters are getting smarter, faster, and more creative. They don't care about our Q4 roadmap, and they don't wait for permission to attack.We need someone who is legitimately paranoid. You won't just be managing a process; you'll be defining it. You'll have the autonomy to conduct an independent assessment of our entire operation and the freedom to fix what's broken—without having to fight through six layers of bureaucracy to get a rule changed.This is a Senior IC role to start. That means no hiding behind a large team. You'll scale your impact through code, agents, and your own intellect first. If you want a job where your impact is directly measured by the catastrophes you prevent, this is it.What You'll DoWe don't believe in vague lists of "responsibilities." Here is what you will actually deliver:Expose the Weaknesses (First 3 Weeks): You will tear apart our current defenses and produce an independent fraud risk assessment. You'll tell us what's on fire and where we are deluding ourselves.Stop the Bleeding (First 6 Weeks): You will design and launch an experiment that reduces first payment default rates. The trick? You have to do it without nuking our approval rates.Cap the Catastrophe (First 4 Months): Your primary objective is to ensure that the risk of an unmitigated, programmatic fraud attack is reduced to negligible levels. You will build the controls that let us sleep at night.Build the Machine (First 7 Months): You will move us away from manual reviews and towards a system of intelligence, likely using a mix of human insight and AI agents.Who You AreWe aren't looking for a generic "risk professional." We need a specific type of operator:You are Technical: You don't need to ask a data analyst to pull your numbers. Your SQL is advanced, and your analysis stands on its own.You are Paranoid: You worry about threat vectors that haven't happened yet. You understand that in consumer lending, being "mostly secure" is the same as being vulnerable.You are Pragmatic: You know that sometimes you won't have the perfect infrastructure. You don't complain; you find a way to stop the fraud anyway.You Know the Terrain: You have experience in LATAM-based consumer lending fraud mitigation, or you speak Spanish fluently. Having both is a massive advantage.You possess "Intellectual Rigor": You sweat the details. You don't accept "it looks okay" as an answer.What's On The TableSalary: NYC: $165,000 - $215,000 (CDMX: COL-adjusted).Equity: Competitive package. We are efficient, growing fast ($70MM annualized revenue), and our unit economics are solid. Your upside is real.Benefits: 100% medical, dental & vision for you (50% for dependents).Flexibility: 401(k) (US), Extended parental leave, and unlimited PTO (that people actually take—usually 3-4 weeks/year).Location: 80% in-office (NYC or Mexico City). We believe in high-bandwidth collaboration.About The ProcessWe move as fast as you do.Chat with the Hiring Manager: No HR screening fluff. Straight to the source.Practical Assessment: A case study or deep dive to see how you think.Onsite Interview: Meet the team you'll be in the trenches with.Offer: If it's a fit, we won't keep you waiting.If you're tired of reacting to yesterday's fraud and want to build the defense for tomorrow's threats, let's talk.