The Lead - Fraud Analytics will manage fraud strategy from detection to modeling and remediation, focusing on preventing and mitigating fraud risks in digital lending.
Branch Overview
Branch is a leading AI-based lending fintech with 50M+ downloads across India and Africa. We use alternative data to reach millions of people that are largely excluded from the financial sector.
Headquartered in Silicon Valley with operations in India, Nigeria and Kenya, Branch is a for-profit, socially conscious company built for scale and impact. Our mission-driven team—founded and led by the former CEO of Kiva.org—now spans 400+ employees globally. We’re backed by investors such as Andreessen Horowitz, Visa, and the IFC.
Job Overview
We are looking for a Lead – Fraud Analytics who brings deep lending fraud domain knowledge along with strong analytical and modeling experience. This role will own fraud strategy end-to-end, from problem definition and detection strategy to modeling, experimentation, implementation and business impact. In this role, you will combine strong analytical judgment with hands-on execution to identify, mitigate, and manage fraud risks across the entire customer lifecycle.
Requirements
Fraud Prevention
Act as the central point of coordination with Compliance and regulators, ensuring accurate and timely delivery of all required fraud-related reporting.
Keep fraud frameworks, policies, and systems current with evolving regulatory expectations from RBI, SEBI, IRDAI, and NPCI.
Track external fraud trends and industry developments, and translate them into actionable insights for the business.
Strategy and Ownership, Team & Scale
Branch International is an Equal Opportunity Employer. The company does not and will not discriminate in employment on any basis prohibited by applicable law. We’re looking for more than just qualifications -- so if you’re unsure that you meet the criteria, please do not hesitate to apply!
Branch is a leading AI-based lending fintech with 50M+ downloads across India and Africa. We use alternative data to reach millions of people that are largely excluded from the financial sector.
Headquartered in Silicon Valley with operations in India, Nigeria and Kenya, Branch is a for-profit, socially conscious company built for scale and impact. Our mission-driven team—founded and led by the former CEO of Kiva.org—now spans 400+ employees globally. We’re backed by investors such as Andreessen Horowitz, Visa, and the IFC.
Job Overview
We are looking for a Lead – Fraud Analytics who brings deep lending fraud domain knowledge along with strong analytical and modeling experience. This role will own fraud strategy end-to-end, from problem definition and detection strategy to modeling, experimentation, implementation and business impact. In this role, you will combine strong analytical judgment with hands-on execution to identify, mitigate, and manage fraud risks across the entire customer lifecycle.
Requirements
Fraud Prevention
- Develop a deep understanding of key fraud typologies and drive prevention strategies across various fraud areas (Application fraud, Account takeover, Transaction Fraud, Identity/ KYC Fraud, Loan stacking, mule behavior, Device, IP, and behavioral abuse etc).
- Design early-warning systems for emerging fraud patterns.
- Regularly review key processes and systems to identify fraud vulnerabilities.
- Work with Product and Engineering teams to implement fraud prevention policies.
- Lead the analytical initiatives to enable the development of fraud detection models and analytical frameworks.
- Monitor and analyze inputs from Audit, Collections, Customer Service, Finance, Credit, Risk, and Customer Complaints to identify red flags and early warning signals.
- Ensure timely closure of action items arising from fraud investigations.
- Present summaries of investigation outcomes, new controls, and process improvements to the relevant stakeholders
Act as the central point of coordination with Compliance and regulators, ensuring accurate and timely delivery of all required fraud-related reporting.
Keep fraud frameworks, policies, and systems current with evolving regulatory expectations from RBI, SEBI, IRDAI, and NPCI.
Track external fraud trends and industry developments, and translate them into actionable insights for the business.
Strategy and Ownership, Team & Scale
- Act as the single-threaded owner for fraud analytics outcomes.
- Set the long-term vision for fraud risk management for Branch, including prioritization of focus areas and phased roadmaps.
- Partner closely with:
- Fraud operations & investigations
- Product and engineering
- Credit risk and collections
- 5–10 years of experience in fraud analytics within lending / fintech / NBFC / digital credit/ BFSI
- Strong understanding of digital lending fraud typologies
- Proven experience building fraud analytical models
- Hands-on expertise with SQL and Python
- Ability to explain complex analysis clearly to non-technical stakeholders.
- Mission-driven, fast-paced and entrepreneurial environment
- Competitive salary and equity package
- A collaborative and flat company culture
- Fully-paid Group Medical Insurance and Personal Accidental Insurance
- Unlimited paid time off including personal leave, bereavement leave, sick leave
- Fully paid parental leave - 6 months maternity leave and 3 months paternity leave
- Monthly WFH stipend alongside a one time home office set-up budget
- $500 Annual professional development budget
- Discretionary trips to our offices across the globe, with global travel medical insurance
- Team meals and social events - Virtual and In-person
Branch International is an Equal Opportunity Employer. The company does not and will not discriminate in employment on any basis prohibited by applicable law. We’re looking for more than just qualifications -- so if you’re unsure that you meet the criteria, please do not hesitate to apply!
Top Skills
Python
SQL
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