Senior Lead – Chief Risk Office Neemtree

The Corporate Institute; Bengaluru; On-site; INR 3,500,000 - 6,500,000; Full time

Job summary

The Corporate Institute in Bengaluru seeks a strategic leader to oversee fraud prevention, detection, and mitigation across digital and branch channels. Operating from the CRO's Office, this role blends risk strategy, data science, tech innovation, product design, and operations.

You will architect real-time fraud engines, ML models, device intelligence, and governance frameworks; partner with engineering, product, analytics, and compliance to implement controls and KPI-driven risk management

Responsibilities

• Tech & Analytics-Driven Fraud Architecture: design and scale real-time fraud rule engines and ML models.
• Advanced Analytics & Pattern Detection: detect complex fraud rings and synthetic identities.
• Strategic Fraud Governance & Frameworks: set KFIs, risk thresholds, fraud-loss goals.
• Product-Level Fraud Strategy: embed controls across onboarding, underwriting, and servicing.

Job description

Role Overview:

Operating directly out of the Chief Risk Officer’s (CRO’s) Office, the Individual will serve as the strategic enterprise lead for all fraud prevention, detection, and mitigation capabilities.

This is a deeply tech and analytics-focused role sitting at the critical intersection of risk strategy, data science, tech innovation, product design, and operational execution.

As the company scales across diverse lending channels spanning fully digital fintech integrations to branch-led physical/assisted operations this leader will architect and execute robust product-level fraud control frameworks.

Key Responsibilities:

• Tech & Analytics-Driven Fraud Architecture: Partner directly with Engineering, Data Science, and Product teams to design, build, and scale real-time automated fraud rule engines, predictive ML/AI fraud models, API security controls, device intelligence, and automated decisioning platforms.
• Advanced Analytics & Pattern Detection: Leverage data science, network graph analytics, anomaly detection, and predictive modeling to proactively identify complex fraud rings, synthetic identity networks, and emerging attack vectors across digital and branch portfolios.
• Strategic Fraud Governance & Frameworks: Design, implement, and continually evolve the end-to-end fraud risk management strategy across both digital and branch-led lending channels. Establish Key Fraud Indicators (KFIs), risk tolerance thresholds, and fraud-loss mitigation goals.
• Product-Level Fraud Strategy: Partner closely with Product Managers to build friction-appropriate fraud controls into customer journeys across the lifecycle from acquisition, onboarding, and underwriting to disbursement and servicing.
• Channel-Specific Fraud Controls: Define and deploy safeguards for digital journeys (device fingerprinting, synthetic identity detection, account takeover, dynamic OTP verification, API security) and branch-led networks (safeguards against document forgery, field-level impersonation, collusion, first-party fraud).
• Cross-Functional Execution: Act as the primary engine for executing fraud initiatives. Work hand-in-hand with Tech, Product, Analytics, Operations, Compliance, and Field teams to translate high-level strategies into executable product features.
• Market Benchmarking & Threat Intelligence: Maintain deep awareness of market standards, emerging fraud vectors, and evolving risk topologies across the Indian banking, NBFC, and fintech landscapes.
• Vendor & Tooling Ecosystem: Evaluate, select, and integrate cutting-edge vendor solutions and fraud prevention technologies working alongside tech and product teams.
• Analytics, Rule Engine & ML Strategy: Oversee the performance, continuous tuning, and optimization of fraud rule engines and usage of machine-learning detection models in partnership with the Risk Analytics team.
• Incident Investigation & Root Cause Analysis (RCA): Lead post-incident analyses on fraud leakages, conduct vulnerability reviews, and rapidly deploy corrective strategies.
• Regulatory Monitoring & Compliance: Actively monitor regulatory guidelines from the RBI regarding fraud reporting, cyber-resilience, and customer protection.
• Leadership & Board Reporting: Develop strategic dashboards and threat assessment materials for the CRO and Management Committees.