Fraud Prevention Analyst

About Amartha

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About the Team

The Fraud Prevention team plays a critical role in protecting Amartha’s lending ecosystem by proactively identifying, analyzing, and mitigating fraud risks across the portfolio. The team works closely with Risk, Operations, Collection, and Field teams to monitor abnormal patterns, strengthen fraud controls, and ensure healthy portfolio quality. By leveraging data-driven insights and collaborative investigation processes, the team helps maintain sustainable business growth while safeguarding customers and operational integrity.

Responsibilities

• Proactively monitor lending portfolio performance to identify early signs of fraud, abnormal behaviors, and suspicious patterns before they escalate into massive issues.
• Analyze repayment trends, customer behavior, branch performance, and operational anomalies to detect potential fraud risks and emerging fraud schemes.
• Develop and maintain fraud monitoring indicators, early warning triggers, and watchlist mechanisms for high-risk branches, customers, or activities.
• Collaborate with Operations, Risk, Collection, and Field Teams to validate findings and implement preventive actions to mitigate fraud exposure.
• Prepare fraud risk analysis, insights, and recommendations for management to strengthen fraud prevention controls and improve portfolio quality

Requirements

• Bachelor’s degree in Statistics, Business, Economics, or related fields.
• Minimum 1–3 years of experience in Fraud Prevention, Risk Management, Portfolio
• Monitoring, Collection Strategy, or Lending Analytics.
• Strong analytical skills with the ability to identify abnormal patterns, portfolio anomalies, and potential fraud indicators.
• Proficient in Microsoft Excel/Google Sheets and data analysis; experience with SQL, BI tools, or dashboard monitoring is an advantage.
• Good understanding of lending operations, portfolio quality metrics, repayment behavior, and fraud risk within lending businesses.
• Strong communication and problem-solving skills with the ability to coordinate across multiple teams.
• Detail-oriented, proactive, and able to work under tight timelines in a fast-paced environment.
• Ability to translate data findings into actionable fraud prevention recommendations and business insights

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.