Fraud Analytics Lead is responsible for leading fraud analytics initiatives to monitor, detect, prevent, and mitigate fraud risks across the company’s products and end-user lifecycle. This role will translate fraud patterns, transaction behavior, portfolio signals, and operational findings into actionable fraud strategies, rules, monitoring, and risk controls. The role reports to the Head of Fraud and will work closely with Fraud Operations, Risk, Product, Data Science, Engineering, Information Security and Business teams to ensure fraud risk is managed effectively while supporting business growth and end-user experience.
About the job:
- Lead the development and execution of fraud analytics strategies across onboarding, transaction monitoring, account activity, merchant activity, and other relevant customer journeys.
- Analyze fraud trends, suspicious patterns, and portfolio behavior to identify risks and recommend preventive actions.
- Develop, review, and optimize fraud rules, thresholds, segmentation logic, and monitoring parameters.
- Build, maintain and monitor fraud dashboards, early warning indicators, fraud risk metrics, and regular management reporting.
- Work closely with Fraud Operations to convert investigation findings into scalable fraud detection rules and preventive controls.
- Partner with other teams to implement and improve prevention, detection, monitoring and implementation
- Provide analytical support for new product launches, new channels, process changes, and business initiatives from a fraud risk perspective.
- Lead and mentor fraud analysts, ensuring strong analytical quality, structured problem solving, and timely delivery.
About you:
- Minimum 8 years of experience in fraud analytics/risk analytics/data analytics in fintech/digital lending/digital banking/e-commerce.
- Experience in anti-fraud for digital banking and/or financial technology companies will be a significant plus.
- Minimum of 2 years leading analytics team.
- Advance knowledge in SQL and data analytics is required.
- 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.
- Conversational ability in English is required.
- Strong analytical skills with the ability to translate complex data into practical fraud strategies and business recommendations.
- High ownership, structured thinking, attention to detail, and ability to work in a fast-paced environment.
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Skills Required
- Minimum 8 years of experience in fraud analytics, risk analytics, or data analytics in fintech/digital lending/digital banking/e-commerce
- Minimum 2 years leading an analytics team
- Advanced knowledge in SQL
- Advanced data analytics skills
- Strong understanding of fraud risk management across digital financial products (identity fraud, account takeover, transaction fraud, merchant fraud, collusion, abuse patterns, social engineering)
- Conversational ability in English
- Strong analytical skills and ability to translate complex data into practical fraud strategies and business recommendations
- High ownership, structured thinking, attention to detail, ability to work in a fast-paced environment
- Experience in anti-fraud for digital banking and/or financial technology companies
What We Do
Kredivo Group is Southeast Asia’s leading provider of digital financial services through its brands Kredivo, KrediFazz and Krom. Kredivo is the leading digital credit platform in Indonesia and Vietnam that gives customers instant credit financing for ecommerce and offline purchases, and personal loans, based on real-time decisioning. Kredivo users can buy now and pay later across the entirety of Indonesia’s retail commerce network with one of the lowest interest rates amongst digital credit providers in the country. Krom Bank Indonesia (formerly known as Bank Bisnis Internasional, IDX: BBSI) is the group’s bank entity and the operator of the Indonesian neobank Krom. Kredivo Group is backed by leading financial and strategic investors such as Mizuho Financial Group, Square Peg Capital, Jungle Ventures, Naver Corp, Mirae Asset, Telkom Indonesia and Victory Park Capital among others
