About Paytm: Paytm is India's leading mobile payments and financial services distributioncompany. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology.

Lending Fraud Risk OperationsDeputy Manager / Manager

Position Overview
We are seeking an experienced professional to join our Lending Fraud Risk Operations team. The successful candidate will be responsible for identifying, investigating, and mitigating fraud risks across our digital lending portfolio. This role requires deep expertise in fintech lending operations, advanced analytical skills, and a thorough understanding of the digital payments ecosystem.

Key Responsibilities
Lead fraud investigation and risk assessment for online lending products including BNPL, personal loans, merchant loans, and EMI schemesDevelopandimplementfrauddetectionstrategiesandoperational frameworks for digital lending servicesMonitor, analyze, and report on fraud trends, patterns, and emerging threats in the lending ecosystemCollaborate with cross-functional teams including product, technology, and compliance to enhance fraud prevention measuresDesign and maintain fraud monitoring dashboards using SQL queries and Power BI visualizationsConduct detailed case investigations and prepare comprehensive fraud assessment reportsEnsure compliance with regulatory requirements including NPCI guidelines and RBI regulationsTrain and mentor junior team members on fraud investigation techniques and risk assessment methodologiesInterface with external agencies, law enforcement, and regulatory bodies as requiredContinuously improve fraud detection algorithms and operational processes
Required Qualifications & Experience
Essential RequirementsMinimum 4-7 years of experience in fraud risk operations within fintech companiesProven experience with leading fintech lending service providers Extensive hands-on experience in fraud investigation specific to online lending products:Buy Now Pay Later (BNPL) servicesPersonal loan platformsMerchant lending and cash advance productsEMI and installment-based lendingAdvanced proficiency in SQL for data analysis and fraud pattern identificationExperience with business intelligence tools, Power BI strongly preferredBachelor's degree in Finance, Economics, Statistics, Computer Science, or related fieldPreferred QualificationsDeepunderstandingofmerchantecosystemandpaymentgateway operationsKnowledgeofNPCIregulations,UPIguidelines,anddigitalpayment compliance requirementsExperience with machine learning applications in fraud detectionProfessionalcertificationsinfraudexamination(CFE,CAMS)orrisk management

Skills & Competencies

Technical SkillsAdvancedSQLanddatabase queryingPower BI dashboard developmentStatisticalanalysisandpattern recognitionRisk assessment frameworksData visualization and reportingDomain ExpertiseDigital lending fraud patternsFintech regulatory landscapePayment ecosystem knowledgeInvestigation methodologiesCompliance and audit processes
What We Offer
Competitive salary package Comprehensive health and wellness benefitsProfessional development and certification supportFlexible working arrangementsOpportunity to work with cutting-edge fintech technologiesCareer advancement opportunities in a rapidly growing organization

Key Focus Areas: BNPL, Personal Loans, Merchant Loans, EMI Products, and Digital Lending Fraud Prevention.