Fraud Risk & Analytics Analyst

Amartha; Jakarta Selatan; On-site; IDR 111,600,000 - 200,880,000; Full time

Job summary

Amartha is seeking a Fraud Prevention professional to protect our lending ecosystem. You will monitor portfolio performance, identify early fraud signals, and collaborate with Risk, Operations, and Field teams to mitigate exposure.

We value strong analytical skills, data-driven decision making, and the ability to translate findings into actionable recommendations. Join a fast-paced environment focused on inclusive financial growth and portfolio integrity.

Qualifications

• Bachelor’s degree in Statistics, Business, Economics, or related fields.
• Minimum 1–3 years of experience in Fraud Prevention, Risk Management, Portfolio Monitoring, or Lending Analytics.
• Strong analytical skills to identify abnormal patterns and fraud indicators.
• Proficient in Microsoft Excel/Google Sheets and data analysis; experience with SQL, BI tools, or dashboard monitoring is an advantage.
• Detail-oriented, proactive, and able to work under tight timelines in a fast-paced environment.
• Excellent communication and ability to coordinate across multiple teams.
• Ability to translate data findings into actionable fraud prevention insights.

Responsibilities

• Proactively monitor lending portfolio performance to identify early signs of fraud, abnormal behaviors, and suspicious patterns before they expand into massive issues.
• Analyze repayment trends, customer behavior, branch performance, and operational anomalies to detect potential fraud risks and emerging fraud schemes.
• Develop and maintain fraud monitoring indicators, early warning triggers, and watchlist mechanisms for high-risk branches, customers, or activities.
• Collaborate with Operations, Risk, Collection, and Field Teams to validate findings and implement preventive actions to mitigate fraud exposure.
• Prepare fraud risk analysis, insights, and recommendations for management to strengthen fraud prevention controls and improve portfolio quality
• Bachelor’s degree in Statistics, Business, Economics, or related fields.
• Minimum 1–3 years of experience in Fraud Prevention, Risk Management, Portfolio
• Monitoring, Collection Strategy, or Lending Analytics.
• Strong analytical skills with the ability to identify abnormal patterns, portfolio anomalies, and potential fraud indicators.
• Proficient in Microsoft Excel/Google Sheets and data analysis; experience with SQL, BI tools, or dashboard monitoring is an advantage.
• Good understanding of lending operations, portfolio quality metrics, repayment behavior, and fraud risk within lending businesses.
• Strong communication and problem-solving skills with the ability to coordinate across multiple teams.
• Detail-oriented, proactive, and able to work under tight timelines in a fast-paced environment.
• Ability to translate data findings into actionable fraud prevention recommendations and business insights

Skills

Fraud prevention

Risk management

Portfolio analysis

Data-driven decision making

Cross-functional collaboration

Communication skills

Education

Bachelor's degree in Statistics / Economics / Business

Tools

SQL

BI tools

Excel/Google Sheets

Dashboard monitoring

Job description

Amartha is seeking a Fraud Prevention professional to protect our lending ecosystem. You will monitor portfolio performance, identify early fraud signals, and collaborate with Risk, Operations, and Field teams to mitigate exposure.

We value strong analytical skills, data-driven decision making, and the ability to translate findings into actionable recommendations. Join a fast-paced environment focused on inclusive financial growth and portfolio integrity.