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Fraud Operations Analyst

PayJoy -
Bengaluru, Karnataka

Apply Now

Job details

Full-time

Benefits

Health insurance

Qualifications

English
Finance
SQL
Analysis skills
Bachelor's degree
Machine learning
B.E.
Business Administration
Fraud prevention and detection
Data science
AI
Communication skills

Full job description

About PayJoy

PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

The Fraud Operations Analyst will be responsible for monitoring, detecting, and preventing fraud across the India portfolio. This role focuses on early risk detection, manual review workflows, fraud trend analysis, and execution of fraud mitigation strategies in collaboration with Risk, Product, GTM, and Collections teams.

The analyst will play a critical role in identifying emerging fraud patterns such as synthetic identity, repeat borrower abuse, promoter collusion, and device related fraud, and translating these into actionable controls

Responsibilities

1. Fraud Detection & Review

Perform daily manual reviews of flagged transactions and high risk finance orders via internal tools such as Cyborg
Investigate alerts including repeat borrower patterns, selfie mismatches, device anomalies, and early inactivity signals
Identify and escalate suspicious activity including syndicate behaviour and merchant level anomalies

2. Early Risk Monitoring

Monitor early lifecycle signals including:
- Day 0 to Day 5 inactivity
- First payment delinquency risk (FPD7 and FPD15)
- Device “gone dark” patterns
Flag high risk cohorts for immediate action

3. Fraud Trend Analysis

Analyse fraud trends across merchants, devices, geographies, and promoters
Identify high risk clusters and emerging fraud vectors specific to the India market
Support cohort based analysis and pre/post intervention measurement

4. Execution of Fraud Controls

Recommend and implement fraud mitigation actions such as:
- Device restrictions or removals
- Merchant level controls
- Segmentation strategies for high risk cohorts
Support rollout of fraud rules and alerts in Cyborg

5. Stakeholder Collaboration

Work closely with:
- GTM teams to address merchant and promoter behaviour
- Risk and Data Science teams to refine detection models
- Collections teams to monitor downstream impact
Provide actionable insights, not just reporting

6. Reporting & Insights

Maintain weekly fraud updates with clear structure:
- What happened
- Why it happened
- What actions are being taken
Track key metrics including BE share, FPD, and early inactivity
Contribute to monthly executive reporting

Requirements

Bachelor's degree in Finance, Business Administration, or a related field.
Minimum of 2 years of experience in fraud prevention, preferably within the financial services industry.
Strong analytical and problem-solving skills.
Advanced SQL skills
Proficiency in using fraud detection software and tools.
Excellent communication in English and interpersonal skills.

Benefits

100% Company Funded : Private Health Insurance for employee and immediate family
20 days vacation
Phone finance, Headphone, home office equipment and wellness perks.
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Apply Now

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