Senior/Lead Fraud Specialist - India

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 The Senior/Lead Fraud Specialist will play a key role in building and strengthening our fraud prevention function by focusing on external fraud signals, emerging market threats, and evolving customer scam behaviours. This role reports to the Head, India Operations. ResponsibilitiesMonitor and track emerging fraud trends across the NBFC, fintech, and lending ecosystem, including new scam typologies, geographic hotspots, and customer manipulation patternsWork closely with frontline teams (customer support, collections, operations) to capture anecdotal evidence and behavioural fraud indicators from customer interactionsConduct qualitative investigations into suspicious customer behaviour, repeat fraud patterns, and fraud rings beyond purely transactional dataPartner with the internal fraud analytics team to translate external signals into actionable rules, flags, or monitoring frameworksBuild and maintain a fraud risk radar: periodic reporting on new threats, suspicious trends, and early warning signalsDrive end-to-end management of fraud incident lifecycles, from initial detection and investigation through to loss quantification, documentation, and recovery effortsServe as the primary liaison with external bodies including local law enforcement, partner banks, and other financial institutions for reporting fraud, information sharing, and exploring third-party risk intelligence sourcesSupport the design of fraud prevention policies based on external learningsCreate fraud playbooks and escalation guidelines for new fraud types as they emergeContribute to training and awareness for internal teams on evolving fraud risks and customer scam behavioursRequirements4–8 years of experience in fraud risk, financial crime, lending risk, compliance, or operational risk within an NBFC, bank, fintech, or payments ecosystemStrong understanding of common fraud typologies in Indian financial services, including identity fraud, loan stacking, mule networks, and digital scam patternsAbility to interpret qualitative and market-driven signals — not just dashboards — and convert them into operational fraud controlsComfortable working with ambiguity and building fraud intelligence processes from scratchExcellent stakeholder management skills, with experience working cross-functionally with operations, customer support, credit risk, and business teamsStrong communication skills: ability to write clear trend reports and notesHigh ownership mindset with curiosity about “what’s happening in the market” and how fraudsters evolveFamiliarity with competitor benchmarking, external risk data sources, and regional risk mapping is a plusBasic comfort with data tools (Excel, SQL) is a big plusBenefits of JoiningMission-driven, fast-paced and entrepreneurial environmentCompetitive salary and equity packageA collaborative and flat company cultureHybrid work environmentFully-paid Group Medical Insurance and Personal Accidental InsuranceUnlimited paid time off including personal leave, bereavement leave, sick leaveFully paid parental leave - 6 months maternity leave and 3 months paternity leaveMonthly WFH stipend alongside a one time home office set-up budget$500 Annual professional development budget Team meals and social events- Virtual and In-personBranch 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! Originally posted on Himalayas