Desired Qualifications:

- Master's degree in Statistics, Mathematics, Economics, Engineering, Finance, Business Administration or a related quantitative discipline.

- Strong years of experience in Fraud Risk Management, Fraud Analytics, Fraud Strategy, or Financial Crimes.

- Proven experience developing and implementing fraud detection strategies within consumer lending, credit card, personal loans, or other unsecured lending portfolios.

- Strong knowledge of First-Party Fraud and Third-Party Fraud typologies and mitigation techniques.

- Experience working with fraud decisioning and risk assessment platforms (FICO, SSE).

- Advanced analytical and problem-solving capabilities with ability to translate insights into actionable business strategies.

- Strong stakeholder management and influence skills across multiple organizational levels.

- Excellent written and verbal communication skills, including executive presentation experience.

Job Expectations:

Fraud Strategy Development & Ownership:

- Lead the design, implementation, and governance of pre-booking fraud strategies across unsecured lending products.

- Own the end-to-end fraud decisioning framework for application fraud risk assessment.

- Develop and maintain fraud detection controls, rules, and decision strategies that effectively identify and prevent fraudulent applications.

- Drive strategic enhancements to address both First-Party Fraud (Synthetic Identity, Bust-Out, Credit Washing, etc.) and Third-Party Fraud threats.

- Ensure fraud strategies align with enterprise risk appetite, regulatory expectations, and business objectives.

Fraud Analytics & Insights:

- Perform advanced analytics to identify fraud patterns, emerging threats, vulnerabilities, and portfolio trends.

- Leverage internal and external data sources to improve fraud detection capabilities and customer risk segmentation.

- Conduct performance monitoring and root cause analysis to assess strategy effectiveness and identify optimization opportunities.

- Quantify fraud risk, operational impacts, customer experience implications, and financial outcomes of strategy changes.

- Utilize statistical, machine learning, and rule-based methodologies to improve fraud identification and prevention.

Decisioning Platform & Technology Enablement:

- Leverage expertise in fraud assessment and decisioning platforms (FICO, SSE) to configure, deploy, and optimize fraud strategies.

- Partner with technology teams to implement new fraud capabilities, data integrations, and decisioning enhancements.

- Translate analytical insights into operationally executable fraud controls within production environments.

- Support platform modernization and strategic initiatives related to fraud prevention infrastructure.

Strategy Optimization & Governance:

- Establish monitoring frameworks, performance metrics, reporting, and governance routines to evaluate strategy effectiveness.

- Manage ongoing rule tuning, threshold optimization, and strategy recalibration based on portfolio performance.

- Ensure strategies maintain an appropriate balance between fraud losses, customer experience, operational efficiency, and business growth.

- Support risk governance reviews, audits, controls testing, and model risk management requirements where applicable.

Cross-Functional Leadership:

- Partner with Credit Risk, Product, Fraud Operations, Compliance, Technology, Data Science, and Model Development teams to deliver integrated fraud solutions.

- Influence strategic direction through data-driven recommendations and executive-level presentations.

- Act as a subject matter expert for pre-booking fraud risk and application fraud trends.