Lending Fraud Risk Operations
3 weeks ago
Job Description
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
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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