Payments & Risk Analyst

About the role

Fnkt Payments is a fast-growing payments and fintech partner for F&B brands, cafes and marketplaces across Singapore and the region. We provide card acquiring, payouts, and settlement services to merchants while building tools to reduce fraud and disputes for high-volume hospitality customers.

The Payments & Risk Analyst will be central to day-to-day transaction monitoring, chargeback management and building detection rules. You will work closely with Product, Engineering and Merchant Success teams to balance risk controls with merchant acceptance and customer experience. This role is ideal for someone who enjoys analytical work, has hands-on experience with payment flows, and wants to shape risk processes at a scaling fintech that serves the hospitality sector.

You will be joining a small, collaborative team based in the CBD with hybrid working options, regular cross-functional projects and opportunities to lead process improvements and automation. The role offers exposure to acquirers, PSP integrations, card networks (Visa/Mastercard) and a range of merchant verticals from kopitiam chains to boutique restaurants.

About Fnkt Payments

Fnkt Payments is a Singapore-registered payments technology company specialising in payment acceptance and risk solutions for foodservice and hospitality merchants. We combine merchant services, analytics and fraud-detection tooling to help cafes, restaurants and cloud kitchens get paid faster and reduce disputes.

What you can expect

• Specialist in F&B merchant payments with strong roster of Singapore customers
• Hybrid work in CBD with easy access to MRT and major F&B options
• Opportunity to build risk processes end-to-end and influence product roadmap
• Employee development budget and access to industry conferences

Key responsibilities

• Monitor transaction streams and alerts for suspicious patterns, elevated chargeback rates and policy breaches
• Investigate suspected fraud cases end-to-end using internal dashboards, transaction logs and merchant-provided evidence
• Manage chargeback and dispute workflows, prepare representment cases and liaise with acquirers/issuers
• Design, test and tune rule-based detection logic and thresholds to reduce false positives while protecting merchant income
• Work with Product and Engineering to operationalise automated blocking, velocity rules and case management improvements
• Prepare weekly/monthly risk and operations reports for leadership with key metrics and recommendations
• Support merchant onboarding checks and enhanced due diligence (KYB/KYC) for high-risk verticals
• Respond to incident escalations and participate in on-call rotation for major fraud events

Requirements

• Minimum 2–4 years’ experience in payments operations, fraud analytics, or risk roles (fintech or payments PSP experience preferred)
• Hands-on experience with transaction monitoring and chargeback/dispute flows
• Strong analytical skills and proficiency in SQL for querying transaction datasets
• Comfortable with Excel; experience with Python or data tooling is a plus
• Good understanding of card scheme dispute lifecycle (Visa/Mastercard) and PSP/acquirer relationships
• Ability to write clear investigation reports and communicate findings to technical and non-technical stakeholders
• Willingness to work occasional extended hours for incident response; eligible to work in Singapore

How to apply

Send your CV and a brief note about your payments and fraud experience to the contact email below with the subject line: Payments & Risk Analyst — Singapore.