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
Amartha is actively expanding its digital risk management team as part of our strategic focus on digital transformation in 2025. We are looking to strengthen our capabilities in managing digital lending risks to support our growing portfolio of digital financial products. To this end, we are currently seeking a highly skilled Senior Fraud Risk Lead to join our team. This role will play a critical part in shaping and overseeing the risk management strategies for our digital lending platforms, ensuring that we continue to provide secure and effective financial solutions to our customers while mitigating potential risks in a rapidly evolving digital landscape.
Responsibilities
- Establish fraud detection and prevention frameworks that leverage analytics, machine learning, and behavior insights.
- Conduct fraud analytics, including the development of promo abuse risk scoring, creation of fraud rule scenarios, analysis of emerging fraud patterns, and identification of process vulnerabilities.
- Develop and implement anti-fraud policies and procedures for digital products.
- Collaborate with data science teams to develop fraud detection algorithms.
- Collaborate with product, technology and third-party providers to embed fraud detection mechanism into digital products and customer journeys.
- Conduct root cause analysis on confirmed fraud cases to identify vulnerabilities and implement control measures.
- Work closely with internal teams such as fraud investigator, product, technology, credit risk, data science and compliance to ensure fraud controls are integrated into all digital products and partnerships.
- Lead initiatives to automate and streamline fraud monitoring processes, improving efficiency and accuracy.
- Bachelor’s degree in Finance, Economics, Engineering, Business Administration, or a related field are a plus.
- 5+ years’ experience in fraud risk management, preferably within digital lending, embedded finance, banking, and fintech.
- Strong in Data Analytics, good knowledge in query and SQL.
- Strong knowledge of fraud detection tools and e-money/ e-wallet security system.
- Strong knowledge of fraud patterns, fraud rules, and fraud analytics.
- Proven track record in developing and managing risk frameworks for digital products, digital loans and embedded finance.
- Excellent communication and collaboration skills with the ability to work across teams and external partners
Top Skills
What We Do
We are a prosperity platform company to harmoniously build a strong economy from the grassroots in order to realize the grassroots communities of technology equity, inclusiveness and sustainability.
We believe prosperity platform is the right solution to deliver high quality digital financial services and to bridge the gap that brings shared prosperity to the World.
Amartha’s Team are highly compassionate people who are impatient to deliver their impacts to alleviate the sufferings of others.
Working at Amartha means you are part of dynamic and compassionate team who make impact on daily basis. It means you sign up for a high-paced environment where everyone is taking part in achieving success and make other people happier.
It also means you wake up every single day energized, and excited of what’s next to be done to help Indonesia and the world a more equitable and prosperous place to live for everyone.
It means you feel special, as whatever you do with Amartha makes a dent in the universe, healing the world a day at a time.
Working at Amartha means you are ready to help and alleviate each other, contribute your best with empathy and passion. As we go long miles, you need a team to achieve your success.
Working at Amartha means you have made a conscious choice to embark on a journey to creating a less painful world. A journey that makes you feel good, that you have contributed to a meaningful work every single day.
Join our impact mission! Check our career page now👉🏼 https://careers.amartha.com/
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