Posted: 3 weeks ago
2-5 years
Bengaluru, India
Risk Management & Compliance
work from office
Full Time
Closes 20 Dec 2026
Posted: 3 weeks ago
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Job Description
About the Role
- We are looking for a Fraud Analyst to join our Risk Team, supporting the Personal
- Loans business by identifying, investigating, and mitigating fraud risks across the customer lifecycle.
- The role focuses on Early Warning Signals (EWS), trigger-based MIS, and fraud investigations, and works closely with Risk, Compliance, Operations, Product, and Technology teams. This is an analytical and investigative role, not manual risk grading.
Key Responsibilities
- Monitor Early Warning Signals (EWS) to identify emerging fraud risks, adverse trends, and abnormal portfolio behaviour
- Review and investigate cases generated through trigger-based MIS, including rule-based and event-driven fraud alerts
- Conduct detailed fraud investigations, identify root cause, and document findings with clear rationale and evidence
- Review applications flagged for AML, PEP, and CTF risks and perform enhanced due diligence (EDD) where required
- Analyze credit bureau disputes to identify potential fraud, identity misuse, or misrepresentation
- Identify and track fraud typologies such as identity fraud, mule activity, collusion, and data manipulation
- Support decision-making on fraud tagging, account treatment, and preventive actions in collaboration with the Risk team
- Assist in investigations and responses for lender queries and regulatory escalations, including preparation of case summaries
- Analyze early delinquency accounts from a fraud-risk perspective and perform hind-sight analysis
- Perform root cause analysis on confirmed fraud cases and recommend risk control or process improvements
- Prepare and maintain fraud MIS, dashboards, and periodic reporting for Risk and senior management review
- Collaborate with Risk, Operations, Product, Compliance, and Technology teams to strengthen fraud detection and prevention frameworks
- Support internal audits, external audits, and regulatory inspections with data, analysis, and documentation
What We’re Looking For
Mandatory
- 1–3 years of experience in fraud risk, investigations, or risk analytics
- Strong working knowledge of Excel
- Knowledge of fraud typologies, AML concepts, and regulatory expectations
- Strong analytical, documentation, and communication skills
Good to Have
- Working knowledge of SQL for data extraction and analysis
- Experience in NBFC / fintech / digital lending
- Exposure to personal loans or unsecured lending
Skills
SQLExcelComplianceDue DiligenceCommunicationTeamsIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
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