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Lending Fraud Risk Operations

Lending Fraud Risk Operations

Paytm

2 - 6 years

7 - 10 Lacs

noida uttar pradesh

Posted:2 days ago| Platform:

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Skills Required

data analysis fraud investigation fintech sql fraud risk management risk assessment risk operations operations management sql queries payments regulatory power bi machine learning financial services business intelligence tools lending operations

Work Mode

Work from Office

Job Type

Full Time

Job Description

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

Developandimplementfrauddetectionstrategiesandoperational 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

Deepunderstandingofmerchantecosystemandpaymentgateway operations

KnowledgeofNPCIregulations,UPIguidelines,anddigitalpayment compliance requirements

Experience with machine learning applications in fraud detection

Professionalcertificationsinfraudexamination(CFE,CAMS)orrisk management

Skills & Competencies

Technical Skills

AdvancedSQLanddatabase querying

Power BI dashboard development

Statisticalanalysisandpattern recognition

Risk assessment frameworks

Data visualization and reporting

Domain Expertise

Digital lending fraud patterns

Fintech regulatory landscape

Payment ecosystem knowledge

Investigation methodologies

Compliance and audit processes

What We Offer

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

Key Focus Areas: BNPL, Personal Loans, Merchant Loans, EMI Products, and Digital Lending Fraud Prevention.

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Fintech / Digital Payments

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Lending Fraud Risk Operations