Fraud Risk Analyst

PT Amartha Mikro Fintek; Jakarta Selatan; On-site; IDR 111,600,000 - 167,400,000; Full time

Job summary

A leading financial technology firm in Jakarta Selatan is seeking a skilled professional to join their digital risk management team. This role focuses on establishing fraud detection frameworks, conducting in-depth fraud analytics, and collaborating with data science teams to safeguard digital lending initiatives. The ideal candidate has a bachelor's degree and 2+ years of experience in fraud risk management. Strong skills in data analytics and SQL are required. This position offers opportunities to work within a diverse and inclusive workplace.

Qualifications

• 2+ years’ experience in fraud risk management, preferably in digital lending.
• Strong knowledge of fraud patterns and analytics.
• Proven track record in developing risk frameworks for digital products.

Responsibilities

• Establish fraud detection frameworks using analytics and machine learning.
• Conduct fraud analytics and develop risk scoring for promo abuse.
• Collaborate with data science teams to develop detection algorithms.

Skills

Data Analytics

SQL

Fraud Detection Tools

Fraud Risk Management

Communication Skills

Education

Bachelor’s degree in Finance, Economics, Engineering, Business Administration, or related field

Job description

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 in data analytics to join our team. This role will play a critical part in shaping and overseeing the digital 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.

Qualifications

• Bachelor’s degree in Finance, Economics, Engineering, Business Administration, or a related field is a plus.
• 2+ 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.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.