Fraud Analytics & Operations Leader

Kredivo Group; Jakarta Pusat; On-site; IDR 900,000,000 - 1,600,000,000; Full time

Job summary

Kredivo Group is seeking an AVP of Fraud Analytics & Operations to lead the company’s fraud risk management across products, channels, and user lifecycles. You will own prevention, detection, investigation, monitoring, and controls while driving growth and operational efficiency.

You will manage both Fraud Analytics and Fraud Operations, partner with Risk, Product, Data Science, Engineering, and Compliance, and build a strong anti-fraud culture across the organization.

Qualifications

• 10+ years in fraud risk and credit risk within fintech/digital lending/e-commerce.
• 3–5 years leading fraud or risk teams across analytics and operations.
• Strong understanding of fraud risk management across digital financial products.
• Experience building or strengthening fraud prevention, detection, and governance frameworks.
• Solid knowledge of fraud analytics, rules, risk segmentation, dashboards, and detection models.
• Experience with complaint handling, escalation processes, and QA in fraud operations.
• Ability to balance fraud prevention with growth, approvals, and customer experience.
• Strong stakeholder management and cross-functional collaboration skills.
• Proven leadership by coaching and developing team leads and analysts.
• Conversational English required.

Responsibilities

• Develop and own fraud risk management strategy, framework, and roadmap across products and end-user lifecycle.
• Lead the fraud function (Analytics and Operations) to align prevention, detection, investigation, and remediation.
• Define governance, operating model, decision processes, escalations, and performance standards for fraud.
• Provide strategic direction on fraud prevention/detection initiatives, rules, monitoring, and controls.
• Translate emerging fraud trends into effective risk mitigation strategies.
• Oversee incident management, root cause analysis, impact assessment, and preventive actions.
• Monitor fraud performance metrics, loss, detection rate, false positives, and customer friction.
• Ensure ongoing monitoring, reporting, and timely execution of mitigation actions.
• Support risk leadership in defining appetite, KPIs, and regulatory alignment.
• Identify structural gaps in governance, tools, data, and team capabilities and drive improvements.
• Develop fraud leadership bench strength through coaching and mentoring.
• Promote anti-fraud culture with awareness and cross-functional ownership.

Skills

Fraud risk management

Fraud analytics

Leadership

Stakeholder management

English proficiency

Team coaching

Risk governance

Job description

Kredivo Group is seeking an AVP of Fraud Analytics & Operations to lead the company’s fraud risk management across products, channels, and user lifecycles. You will own prevention, detection, investigation, monitoring, and controls while driving growth and operational efficiency.

You will manage both Fraud Analytics and Fraud Operations, partner with Risk, Product, Data Science, Engineering, and Compliance, and build a strong anti-fraud culture across the organization.