Chief Manager - Risk Control Unit

About the job

Job Purpose This role will be responsible for leading fraud risk management initiatives across retail, commercial, unsecured, and e-commerce lending portfolios. The role requires deep expertise in identifying, investigating, and mitigating fraud risks, including cyber and digital frauds, while leveraging data analytics to strengthen fraud detection and prevention frameworks. Key Responsibilities • Fraud Risk Management • Design and implement robust fraud risk management strategies across retail loans, commercial loans, unsecured lending, and e-commerce financing. • Identify emerging fraud trends, including cyber fraud, online fraud, and call center-related frauds, and deploy preventive controls. • Develop and enhance fraud detection and monitoring systems. Monitoring & Investigation • Oversee real-time transaction monitoring and fraud alert systems. • Lead end-to-end fraud investigations, including root cause analysis and resolution. • Coordinate with internal teams and external agencies for fraud mitigation and recovery. E-commerce & Digital Fraud Control • Manage fraud risks associated with e-commerce lending and digital onboarding journeys. • Monitor buyer fraud patterns from e-commerce platforms and implement controls. • Strengthen digital fraud prevention frameworks for online and app-based transactions. Data Analysis & Insights • Utilize data analytics to identify suspicious patterns and anomalies. • Develop dashboards, MIS reports, and fraud metrics for senior management. • Collaborate with data teams to build predictive fraud models and rule engines. • Conduct periodic fraud risk assessments and control testing. Team Leadership • Lead and mentor a team of fraud analysts and investigators. • Build a high-performance culture focused on vigilance and accountability. • Conduct training and awareness programs on fraud prevention. Experience • 8+ years of experience in fraud risk management within NBFCs, banks, or fintech. • Strong exposure to retail lending, commercial loans, unsecured loans, and e-commerce financing. Functional Competencies In-depth knowledge of: • Loan fraud and credit fraud schemes • Cyber frauds and digital payment frauds • Online and call center fraud mechanisms • E-commerce fraud risk management Technical & Analytical Skills • Strong data analysis skills with proficiency in tools such as SQL & Excel • Experience in fraud monitoring systems, rule engines, and analytics platforms. • Ability to interpret complex datasets and derive actionable insights. Please share your profile at pallavi.singh@tvscredit.com