• 
  Identify operational and fraud-related risks across lending products, internal processes, and customer journeys.
• 
  Conduct risk assessments, including RCSA, process reviews, and control testing; propose practical mitigation actions.
• 
  Monitor KRIs, operational incidents, and emerging risk trends across different regions.
• 
  Analyze fraud patterns, including application fraud, account takeover (ATO), synthetic identity, and mule activities.
• 
  Collaborate with Analytics and Technology teams to improve fraud rules, scoring models, and detection capabilities.
• 
  Support fraud investigations by validating evidence and preparing case summaries for Compliance and Legal teams.
• 
  Ensure lending operations comply with AML/KYC, eKYC, and relevant local regulatory requirements.
• 
  Maintain risk and fraud dashboards; provide regular trend analysis and insights to management.
• 
  Work closely with country teams to standardize risk practices and promote best-practice sharing.
• 
  Prepare and present reports on process improvement initiatives and outcomes to senior management, particularly in lending operations.

Requirements

• 
  Bachelor’s degree in Risk Management, Finance, Business, Economics, Forensic Accounting, Cybersecurity, or related fields.
• 
  3–7 years of experience in operational risk, fraud risk, financial crime, or lending operations; experience in digital lending is preferred.
• 
  Solid understanding of lending customer journeys, credit processes, and common fraud typologies such as application fraud, ATO, synthetic identity, and mule activity.
• 
  Knowledge of AML/KYC, eKYC, and financial services regulatory requirements.
• 
  Hands-on experience with fraud detection tools, scoring rules, device intelligence, or transaction monitoring platforms.
• 
  Strong analytical mindset, attention to detail, and ability to translate data into risk insights.
• 
  Good communication and stakeholder management skills, with the ability to work effectively across functions and countries.
• 
  Strong command of English.
• 
  High level of integrity, confidentiality, and professional ethics.

Preferred certifications are an advantage:

• 
  CFE – Certified Fraud Examiner
• 
  CAMS – Certified Anti-Money Laundering Specialist
• 
  CRISC – Certified in Risk and Information Systems Control
• 
  ISO 31000 Risk Management Certification

Benefits

• 
  Competitive salary with salary review and performance bonus based on OKR results during mid-year and year-end evaluations.
• 
  12 days of fully paid annual leave.
• 
  Meal, gasoline, mobile phone, and personal health insurance allowances.
• 
  Holiday bonuses, healthcare package, and learning & development programs.
• 
  Other benefits in accordance with the company’s compensation and benefits policies.
• 
  Working hours: Monday to Friday, 8:30 AM – 5:45 PM.
• 
  Friendly, dynamic, high-performance, and modern working environment at a leading Fintech company in Southeast Asia.
• 
  Provided with modern working equipment to enhance productivity.
• 
  Opportunity to collaborate with various domestic and multinational partners.