AVP, Fraud Analytics & Operations is responsible for leading the overall fraud risk management function across the company’s products, channels, and end-user lifecycle. This role will own the fraud prevention, detection, investigation, monitoring, and control framework to ensure fraud risk is managed effectively while supporting business growth, operational efficiency, and end-user experience. The role reports to SVP, Risk Management and will manage both Fraud Analytics and Fraud Operations teams, and will work closely with Risk, Product, Data Science, Engineering, Information Security, Compliance, Operations, and Business teams to strengthen the company’s anti-fraud capabilities and governance.
About the job:
- Develop and own fraud risk management strategy, framework, and roadmap across products, channels, and end-user lifecycle.
- Lead the overall fraud function, including Fraud Analytics and Fraud Operations, to ensure strong alignment between prevention, detection, investigation, and remediation activities.
- Define fraud risk priorities, governance structure, operating model, decision-making process, escalation mechanism, and performance standards for the fraud function.
- Review and provide strategic direction on fraud prevention and detection initiatives, including fraud rules, monitoring parameters, analytical models, investigation approach, and operational controls.
- Ensure emerging fraud trends, suspicious patterns and operational findings are properly assessed and translated into effective risk mitigation strategies.
- Oversee fraud incident management, including root cause analysis, impact assessment, corrective actions, and preventive measures to reduce recurrence.
- Review fraud performance and control effectiveness, including fraud loss, detection rate, approval impact, false positives, operational capacity, customer friction, and investigation quality.
- Ensure Fraud Analytics and Fraud Operations teams maintain strong monitoring, reporting, investigation quality, and timely execution of agreed fraud mitigation actions.
- Support the Risk Director in defining fraud risk appetite, fraud KPIs, management reporting, committee updates, regulatory matters, and strategic anti-fraud initiatives.
- Identify structural gaps in fraud governance, tools, data, processes, controls, and team capabilities, and drive long-term improvement plans.
- Build and develop fraud leadership bench strength by coaching team leads, strengthening team capabilities, and ensuring clear accountability across Fraud Analytics and Fraud Operations.
- Promote a strong anti-fraud culture across the organization by increasing awareness, collaboration, and ownership of fraud risk across relevant business and support functions.
About you:
- Minimum 10 years of experience in fraud risk and credit risk in fintech/digital lending/digital banking/e-commerce.
- Minimum 3–5 years of experience managing fraud teams or risk teams, preferably covering both analytics and operations functions.
- Strong understanding of fraud risk management across digital financial products, including identity fraud, account takeover, transaction fraud, merchant fraud, collusion, abuse patterns, and social engineering-related fraud.
- Experience in building or strengthening fraud prevention, detection, investigation, monitoring, and governance frameworks.
- Good understanding of fraud analytics, fraud rules, risk segmentation, dashboards, early warning indicators, and fraud detection models.
- Good understanding of fraud operations, investigation workflows, alert handling, case management, escalation process, and quality assurance.
- Strong ability to balance fraud prevention, business growth, approval rate, operational capacity, customer experience, and regulatory expectations.
- Strong stakeholder management skills, with the ability to work effectively with senior management and cross-functional teams.
- Strong leadership capability, including the ability to manage, coach, and develop team leads and analysts.
- Conversational ability in English is required.
- High ownership, strong judgment, structured thinking, attention to detail, and ability to work in a fast-paced environment.
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