Fraud & Credit Strategy Role

Key Responsibilities:

Fraud Strategy & Analytics:

- Develop and implement fraud detection and fraud prevention strategies for Credit Card and Debit Card portfolios.

- Analyze fraud patterns, transaction behaviors, and emerging fraud trends to minimize financial and operational risk.

- Design, optimize, and maintain fraud rules and monitoring frameworks.

- Conduct deep-dive investigations and root cause analysis for fraud incidents.

- Monitor fraud performance metrics and recommend strategic improvements.

- Collaborate with Risk, Operations, Product, and Analytics teams to strengthen fraud controls.

- Support real-time fraud monitoring and decisioning processes.

Credit Strategy & Risk Management:

- Develop and manage credit risk strategies across acquisition, underwriting, line management, and portfolio optimization.

- Perform portfolio analysis and identify opportunities to improve portfolio quality and profitability.

- Build data-driven strategies for customer segmentation, risk assessment, and policy optimization.

- Analyze portfolio trends and recommend risk mitigation strategies.

- Work closely with business stakeholders to balance portfolio growth with effective risk management.

- Support strategy implementation and ongoing performance monitoring.

Data Analytics & Reporting:

- Perform large-scale data analysis using SQL and analytical tools.

- Generate actionable insights and dashboards for business decision-making.

- Automate reporting processes and improve analytical efficiency wherever possible.

- Ensure data accuracy, consistency, and quality across reporting frameworks.

Required Skills & Qualifications:

- 7-12 years of experience in Fraud Strategy, Credit Strategy, Risk Analytics, or Banking Analytics.

- Strong experience in Credit Card and/or Debit Card domain.

- Mandatory exposure to the US Market.

- Hands-on proficiency in SQL is mandatory.

- Working knowledge of Python is preferred.

- Strong analytical, problem-solving, and decision-making skills.

- Experience in Fraud Analytics, Fraud Rules, Fraud Prevention, and Credit Risk Strategy.

- Ability to work with large datasets and derive meaningful business insights.

- Excellent communication and stakeholder management skills.

Preferred Keywords:

- Fraud Strategy, Fraud Analytics, Fraud Prevention, Fraud Rules, Fraud Patterns, Credit Risk Strategy, Credit Analytics, SQL, Python, Banking Analytics, Credit Card, Debit Card, US Market Exposure