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.

Responsibilities

• Monitor and track emerging fraud trends across the NBFC, fintech, and lending ecosystem, including new scam typologies, geographic hotspots, and customer manipulation patterns
• Work closely with frontline teams (customer support, collections, operations) to capture anecdotal evidence and behavioural fraud indicators from customer interactions
• Conduct qualitative investigations into suspicious customer behaviour, repeat fraud patterns, and fraud rings beyond purely transactional data
• Partner with the internal fraud analytics team to translate external signals into actionable rules, flags, or monitoring frameworks
• Build and maintain a fraud risk radar: periodic reporting on new threats, suspicious trends, and early warning signals
• Drive end-to-end management of fraud incident lifecycles, from initial detection and investigation through to loss quantification, documentation, and recovery efforts
• Serve 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 sources
• Support the design of fraud prevention policies based on external learnings
• Create fraud playbooks and escalation guidelines for new fraud types as they emerge
• Contribute to training and awareness for internal teams on evolving fraud risks and customer scam behaviours

Requirements

• 4–8 years of experience in fraud risk, financial crime, lending risk, compliance, or operational risk within an NBFC, bank, fintech, or payments ecosystem
• Strong understanding of common fraud typologies in Indian financial services, including identity fraud, loan stacking, mule networks, and digital scam patterns
• Ability to interpret qualitative and market-driven signals — not just dashboards — and convert them into operational fraud controls
• Comfortable working with ambiguity and building fraud intelligence processes from scratch
• Excellent stakeholder management skills, with experience working cross-functionally with operations, customer support, credit risk, and business teams
• Strong communication skills: ability to write clear trend reports and notes
• High ownership mindset with curiosity about “what’s happening in the market” and how fraudsters evolve
• Familiarity with competitor benchmarking, external risk data sources, and regional risk mapping is a plus
• Basic comfort with data tools (Excel, SQL) is a big plus

Benefits of Joining

• Mission-driven, fast-paced and entrepreneurial environment
• Competitive salary and equity package
• A collaborative and flat company culture
• Hybrid work environment
• 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 
• Team meals and social events- Virtual and In-person

Branch 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!