Description:

About Company:

It is a leading digital lending platform that provides quick, app-based personal loans to individuals, especially young professionals and first-time borrowers. The platform uses a fully online processapplication, verification, approval, and disbursalmaking it easy for users to access short-term and small-ticket credit. With a focus on flexible repayment options, simplified documentation, and fast processing, it aims to offer accessible credit solutions to people who may not have a traditional credit history.

Primary Responsibilities:

- Own the end-to-end product roadmap for UPI fraud prevention, risk control, and transaction security.

- Design and implement real-time fraud detection systems, rule engines, velocity checks, and anomaly monitoring.

- Analyze UPI transaction data to identify fraud patterns, emerging MO trends, mule accounts, and behavioral anomalies.

- Work with data science to build or refine risk scoring models, fraud signals, and machine-learning based detection.

- Drive root-cause analysis on fraud incidents and implement corrective product solutions to reduce fraud losses.

- Ensure product compliance with NPCI guidelines, RBI instructions, UPI safety frameworks, and partner bank requirements.

- Collaborate closely with engineering, operations, risk teams, and banks to deliver scalable fraud- control features.

- Deliver PRDs/BRDs, dashboards, and performance insights for fraud KPIs such as Fraud Rate, Loss %, and False Positives.

- Prioritize feature development based onfraud risk impact, user experience, andbusiness goals.

- Monitor post-launch impact offraud-control features anditerate rapidly using data-driven insights.

Skills and Requirements:

- Strong understanding of UPI systems, PSP/TPAP workflows, NPCIAPIs, and digital payments architecture.

- Experience infraud prevention, AML,transaction monitoring, riskmanagement, and financial crime systems.

- Ability toanalyze large transaction datasets using SQL,dashboards (Redash), andfraud- analytics tools.

- Working knowledge of risk scoring models, rule engines, behavioral biometrics, device binding and velocity checks.

- Ability towrite clear PRDs, workflows, risk rules, and detailed product specifications.

- Strong product sense with theability to balance risk control, customer experience, and business impact.

- Excellent problem-solving, stakeholder management, and decision-making skills in high- ambiguity environments.

- Technical familiarity with APIs, datapipelines, microservices, andreal-time event processing systems.

- Strong communication skills with a detail-oriented, risk-first mindset and a bias for execution.

Experience & Educational Qualifications:

- 3+ years of work experience.

- Experience infast-paced startup environment.

- Master's or Bachelor's from tier 1 /tier 2 institutes.