Amartha, a technology company focused on developing digital financial solutions for the grassroots economy, was founded in 2010 as a microfinance institution connecting rural, women-led micro-enterprises with affordable capital. The company is expanding as a tech company, building a microfinance ecosystem linked to the growing digital economy through capital, investment, and payment services, while supporting the competitiveness of micro and small entrepreneurs, women-led MSMEs, job creation, and inclusive economic growth. The Risk Management team is expanding as part of the company's strategic focus on digital transformation in 2025 to strengthen capabilities in managing digital lending risks for a growing portfolio of digital financial products. Amartha is seeking a Fraud Risk Analytics Lead to shape and oversee risk management strategies for digital lending platforms, ensuring secure and effective financial solutions while mitigating potential risks in a rapidly evolving digital landscape. Responsibilities include establishing fraud detection and prevention frameworks using analytics, machine learning, and behavior insights; conducting fraud analytics covering promo abuse risk scoring development, fraud rule scenario creation, emerging fraud pattern analysis, and process vulnerability identification; developing and implementing anti-fraud policies and procedures for digital products; collaborating with data science teams on fraud detection algorithms; working with product, technology, and third-party providers to embed fraud detection mechanisms into digital products and customer journeys; performing root cause analysis on confirmed fraud cases to identify vulnerabilities and implement control measures; coordinating with internal teams including fraud investigator, product, technology, credit risk, data science, and compliance to integrate fraud controls across all digital products and partnerships; and leading initiatives to automate and streamline fraud monitoring processes for improved efficiency and accuracy. Requirements include a Bachelor's degree in Finance, Economics, Engineering, Business Administration, or a related field (a plus), 7+ years of experience in fraud risk management preferably in digital lending, embedded finance, banking, and fintech, strong Data Analytics skills with good knowledge of queries and SQL, strong knowledge of fraud detection tools and e-money/e-wallet security systems, strong knowledge of fraud patterns, fraud rules, and fraud analytics, a proven track record in developing and managing risk frameworks for digital products, digital loans, and embedded finance, and excellent communication and collaboration skills with the ability to work across teams and external partners. Amartha is dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion, believing that diverse perspectives shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences drive innovation and growth. Individuals from all backgrounds are welcomed to help build an environment where everyone feels respected, valued, and empowered, with a commitment to equal opportunities and a sense of belonging enabling employees to thrive and make meaningful contributions.

Fraud Risk Analytics Lead

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