We are seeking a visionary and hands-on Risk Data Science and Analytics Leader to architect the next generation of risk intelligence for a dynamic payments platform serving the property management industry. This role will lead the development of advanced risk models and AI-powered systems across fraud, compliance, and credit domains—while also driving real-time, adaptive decisioning that balances protection with growth.

You will spearhead the use of AI agents and real-time risk scoring to automate underwriting and fraud review, while leveraging internal and external data to deliver personalized financial experiences. These include dynamic transaction and velocity limits, accelerated payment flows for low-risk users, and risk-based upselling and cross-selling strategies. By embedding intelligent risk insights into every customer touchpoint, you will help the business increase approvals, reduce friction, and unlock new revenue opportunities—all while maintaining a secure and compliant ecosystem.

Risk Model Development and Maintenance

• Design, build, and maintain predictive models for fraud detection, credit risk assessment, and compliance monitoring.
• Develop and maintain enterprise risk scores for tenants and property managers, integrating multi-dimensional signals from compliance, fraud, and credit risk profiles.
• Build real-time fraud risk scoring systems using behavioral analytics, device intelligence, identity verification, and transaction anomaly detection.

 Loss Forecasting and Reporting

• Develop robust forecasting frameworks for credit and fraud losses.
• Deliver accurate and timely reporting to finance, operations, and executive leadership.
• Monitor portfolio performance and identify emerging risk trends, including fraud typologies and attack vectors.

Experimentation and Policy Simulation

• Lead A/B testing and simulation efforts to evaluate new risk policies and operational strategies.
• Quantify trade-offs between fraud prevention, credit exposure, and customer experience.
• Partner with policy and product teams to iterate on risk rules, thresholds, and fraud mitigation strategies.

 Workforce Modeling and Productivity Reporting

• Build models to forecast operational headcount needs based on transaction volumes, risk profiles, and policy changes.
• Develop dashboards and reporting tools to track team productivity and efficiency.
• Support workforce planning and budget allocation with data-driven insights.

 Workflow Automation

• Collaborate with strategic partners, product, and engineering teams to design and implement AI agents to automate manual underwriting and fraud review workflows.
• Leverage natural language processing (NLP), large language models (LLMs), and decision intelligence to streamline document analysis, customer evaluation, and exception handling.
• Build intelligent agents capable of triaging fraud alerts, escalating high-risk cases, and learning from feedback loops.

 Real-Time Risk Decisioning

• Partner with product and engineering to develop dynamic, real-time risk decisioning systems that adapt to user behavior, transaction context, and external signals.
• Integrate internal data (e.g., payment history, behavioral patterns) and external data (e.g., credit bureaus, identity verification, device intelligence) to power customized offerings such as:
• Payments acceleration for low-risk users
• Dynamic transaction and velocity limits based on real-time risk posture
• Risk-based pricing, upselling, and cross-selling of financial products
• Collaborate with product, marketing, and revenue teams to embed risk intelligence into customer journeys and lifecycle strategies.

• Advanced degree in Data Science, Statistics, Economics, Computer Science, or a related field.
• 10+ years of experience in risk analytics, preferably in payments, fintech, or financial services.

KNOWLEDGE/SKILLS/ABILITIES

Required:

• Proven track record of building and deploying risk models and AI solutions in production.
• Strong proficiency in Python, SQL, and machine learning frameworks.
• Experience with fraud detection systems, anomaly detection, and behavioral modeling.
• Hands-on experience with LLMs, NLP, and agentic workflows for operational automation.
• Experience developing composite risk scores using multi-dimensional data sources.
• Strong business acumen and ability to translate risk insights into growth strategies.
• Excellent communication skills and ability to influence cross-functional stakeholders. 

Physical Demands and Working Conditions

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle or feel objects, tools or controls; reach with hands and arms; climb stairs; talk or hear. The employee must have the ability to operate a personal computer and express or exchange ideas by means of the spoken word. May be required to sit and/or stand for long periods of time. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. May be required to lift or move 10+ pounds.

Salary and Benefits

RealPage provides a competitive salary package along with a comprehensive benefit plan that includes:

• Health, dental, and vision insurance.
• Retirement savings plan with company match.
• Paid time off and holidays.
• Professional development opportunities.
• Performance-based bonus based on position.

Compensation may vary depending on your location, qualifications including job-related education, training, experience, licensure, and certification, that could result at a level outside of these ranges. Certain roles are eligible for additional rewards, including annual bonus, and sales incentives depending on the terms of the applicable plan and role as well as individual performance.

Equal Opportunity Employer: RealPage Company is an equal opportunity employer and committed to creating an inclusive environment for all employees.