Lead – Fraud Analytics

About the job

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 We are looking for a Lead – Fraud Analytics who brings deep lending fraud domain knowledge along with strong analytical and modeling experience. This role will own fraud strategy end-to-end, from problem definition and detection strategy to modeling, experimentation, implementation, and business impact. In this role, you will combine strong analytical judgment with hands-on execution to identify, mitigate, and manage fraud risks across the entire customer lifecycle. Requirements Fraud Prevention Develop a deep understanding of key fraud typologies and drive prevention strategies across various fraud areas (Application fraud, Account takeover, Transaction Fraud, Identity/ KYC Fraud, Loan stacking, mule behavior, Device, IP, and behavioral abuse etc). Design early-warning systems for emerging fraud patterns. Regularly review key processes and systems to identify fraud vulnerabilities. Work with Product and Engineering teams to implement fraud prevention policies. Fraud Detection & Monitoring Lead the analytical initiatives to enable the development of fraud detection models and analytical frameworks. Monitor and analyze inputs from Audit, Collections, Customer Service, Finance, Credit, Risk, and Customer Complaints to identify red flags and early warning signals. Investigations & Remediation Ensure timely closure of action items arising from fraud investigations. Present summaries of investigation outcomes, new controls, and process improvements to the relevant stakeholders. Reporting, Compliance & External Engagement Act as the central point of coordination with Compliance and regulators, ensuring accurate and timely delivery of all required fraud-related reporting. Keep fraud frameworks, policies, and systems current with evolving regulatory expectations from RBI, SEBI, IRDAI, and NPCI. Track external fraud trends and industry developments, and translate them into actionable insights for the business. Strategy and Ownership, Team & Scale Act as the single-threaded owner for fraud analytics outcomes. Set the long-term vision for fraud risk management for Branch, including prioritization of focus areas and phased roadmaps. Partner closely with: Fraud operations & investigations Product and engineering Credit risk and collections

Requirements

• Fraud Analytics
• Lending
• Fintech
• SQL
• Python

Qualifications

• 5–10 years of experience in fraud analytics
• Strong understanding of digital lending fraud typologies
• Proven experience building fraud analytical models
• Hands-on expertise with SQL and Python
• Ability to explain complex analysis clearly to non-technical stakeholders.

Preferred Technologies

• Fraud Analytics
• Lending
• Fintech
• SQL
• Python

Benefits

• Mission-driven, fast-paced and entrepreneurial environment
• Competitive salary and equity package
• A collaborative and flat company culture
• Fully-paid Group Medical Insurance and Personal Accidental Insurance
• Unlimited paid time off including personal leave, bereavement leave, sick leave
• Fully paid parental leave - 6 months maternity leave and 3 months paternity leave
• Monthly WFH stipend alongside a one time home office set-up budget
• $500 Annual professional development budget
• Discretionary trips to our offices across the globe, with global travel medical insurance
• Team meals and social events - Virtual and In-person

About the company

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.