Lending Fraud Risk Operations

1 Month ago • 4-7 Years

Risk Management

Job Description

Seeking an experienced professional for the Lending Fraud Risk Operations team at Paytm. The role involves identifying, investigating, and mitigating fraud risks across the digital lending portfolio, including BNPL, personal loans, merchant loans, and EMI schemes. Responsibilities include developing fraud detection strategies, monitoring trends, collaborating with cross-functional teams, designing fraud monitoring dashboards using SQL and Power BI, conducting investigations, and ensuring regulatory compliance. Deep expertise in fintech lending operations and advanced analytical skills are essential.

Good To Have:

Deep understanding of merchant ecosystem and payment gateway operations.
Knowledge of NPCI regulations, UPI guidelines, and digital payment compliance requirements.
Experience with machine learning applications in fraud detection.
Professional certifications in fraud examination (CFE, CAMS) or risk management.

Must Have:

Lead fraud investigation and risk assessment for online lending products.
Develop and implement fraud detection strategies and operational frameworks.
Monitor, analyze, and report on fraud trends, patterns, and emerging threats.
Collaborate with cross-functional teams including product, technology, and compliance.
Design and maintain fraud monitoring dashboards using SQL queries and Power BI visualizations.
Conduct detailed case investigations and prepare comprehensive fraud assessment reports.
Ensure compliance with regulatory requirements including NPCI guidelines and RBI regulations.
Minimum 4-7 years of experience in fraud risk operations within fintech companies.
Proven experience with leading fintech lending service providers.
Extensive hands-on experience in fraud investigation specific to online lending products.
Advanced proficiency in SQL for data analysis and fraud pattern identification.
Experience with business intelligence tools, Power BI strongly preferred.
Bachelor's degree in Finance, Economics, Statistics, Computer Science, or related field.

Perks:

Competitive salary package
Comprehensive health and wellness benefits
Professional development and certification support
Flexible working arrangements
Opportunity to work with cutting-edge fintech technologies
Career advancement opportunities in a rapidly growing organization

Add these skills to join the top 1% applicants for this job

cross-functional

data-analytics

risk-management

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business-intelligence

data-visualization

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algorithms

sql

machine-learning

About Paytm:

Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology.

Lending Fraud Risk Operations

Deputy Manager / Manager

Position Overview

We are seeking an experienced professional to join our Lending Fraud Risk Operations team. The successful candidate will be responsible for identifying, investigating, and mitigating fraud risks across our digital lending portfolio. This role requires deep expertise in fintech lending operations, advanced analytical skills, and a thorough understanding of the digital payments ecosystem.

Key Responsibilities

Lead fraud investigation and risk assessment for online lending products including BNPL, personal loans, merchant loans, and EMI schemes
Develop and implement fraud detection strategies and operational frameworks for digital lending services
Monitor, analyze, and report on fraud trends, patterns, and emerging threats in the lending ecosystem
Collaborate with cross-functional teams including product, technology, and compliance to enhance fraud prevention measures
Design and maintain fraud monitoring dashboards using SQL queries and Power BI visualizations
Conduct detailed case investigations and prepare comprehensive fraud assessment reports
Ensure compliance with regulatory requirements including NPCI guidelines and RBI regulations
Train and mentor junior team members on fraud investigation techniques and risk assessment methodologies
Interface with external agencies, law enforcement, and regulatory bodies as required
Continuously improve fraud detection algorithms and operational processes

Required Qualifications & Experience

Essential Requirements

Minimum 4-7 years of experience in fraud risk operations within fintech companies
Proven experience with leading fintech lending service providers
Extensive hands-on experience in fraud investigation specific to online lending products:
Buy Now Pay Later (BNPL) services
Personal loan platforms
Merchant lending and cash advance products
EMI and installment-based lending
Advanced proficiency in SQL for data analysis and fraud pattern identification
Experience with business intelligence tools, Power BI strongly preferred
Bachelor's degree in Finance, Economics, Statistics, Computer Science, or related field

Preferred Qualifications

Deep understanding of merchant ecosystem and payment gateway operations
Knowledge of NPCI regulations, UPI guidelines, and digital payment compliance requirements
Experience with machine learning applications in fraud detection
Professional certifications in fraud examination (CFE, CAMS) or risk management