Senior Associate – Fraud Risk in Mumbai, Mahārāshtra at Branch International

Job Overview

The Senior Associate – Fraud Risk will play a key role in building and strengthening our fraud prevention function by focusing on external fraud signals, emerging market threats, evolving customer scam behaviours and drive improvements in fraud prevention and detection. This role reports to the Lead, Fraud Risk Operations.

Responsibilities

• Monitor emerging fraud trends, scam typologies, and external fraud intelligence across the lending ecosystem.
• Conduct complex fraud investigations, identify root causes, fraud patterns, and control gaps across the personal loan lifecycle.
• Collaborate with cross-functional teams to strengthen fraud prevention, detection, and monitoring controls.
• Manage SCNs, Reasoned Orders, customer responses, and fraud case resolutions.
• Support RBI regulatory reporting, including FMRs and FUAs, ensuring accurate and timely submissions.
• Liaise with law enforcement agencies, partner banks and financial institutions for fraud reporting and information sharing.
• Prepare fraud risk dashboards, management reports, investigation records and regulatory documentation.
• Maintain fraud repositories, investigation records and reporting documentation.

Required

• 3-6 years of experience in fraud risk management, fraud investigations or anti-fraud operations, preferably in NBFC, bank, fintech, or payments ecosystem.
• Strong understanding of fraud detection, investigation methodologies and fraud prevention controls, including identity fraud, loan stacking, mule networks, and digital scam patterns.
• Experience in regulatory fraud reporting, including FMRs and FUAs.
• Working knowledge of SQL queries and data analysis preferable.
• Strong problem solving, communication, presentation skills, ability to write clear trend reports and notes.
• Ability to manage complex investigations, collaborate across teams and drive process improvements.

Benefits of Joining

• Competitive salary and equity package
• Fast-paced, collaborative, and high-autonomy work culture
• Hybrid work setup designed for flexibility and work-life balance
• Fully paid group medical insurance and personal accident insurance
• Generous paid time off, plus company-declared public holidays
• Fully paid parental leave for fathers and non-birthing parents (12 weeks), in addition to 26 weeks of statutory maternity leave
• Monthly WFH stipend, along with a one-time home office setup budget
• $500 annual professional development budget
• Quarterly social meet-ups and sponsored monthly team lunches

We’re looking for more than just qualifications -- if you’re unsure that you meet the criteria but identify with our vision of providing equal opportunity to everyone to access financial services, please do not hesitate to apply!

Branch International is an Equal Opportunity Employer. The company does not and will not discriminate in employment on any basis prohibited by applicable law.