Sr Lead - CRO Office

Credit Saison India; Bengaluru; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

Credit Saison India seeks a seasoned Fraud Strategy leader to own the end-to-end fraud risk framework for digital and branch lending in Bengaluru. You will collaborate with Engineering, Product, Analytics, and Operations to design real-time rule engines and ML-driven detection while aligning with RBI guidelines.

You will guide governance, build KPIs, and oversee incident RCA, vendor evaluation, and cross-functional delivery to reduce fraud losses and strengthen controls across the organization.

Qualifications

• Bachelor’s degree in a related field.
• Master’s degree preferred for advanced analytics responsibilities.
• Proven experience in fraud strategy and risk management.

Responsibilities

• Lead fraud strategy for digital and branch lending across portfolios.
• Design, implement and continually optimize fraud controls and rule engines.
• Oversee governance, KPIs, and incident RCA to minimize losses.
• Collaborate with Tech, Product, Analytics, and Compliance to deploy scalable fraud solutions.

Skills

Risk management

Fraud analytics

Stakeholder collaboration

Leadership

Data science basics

Education

Bachelor’s degree

Master’s degree (preferred)

Tools

Fraud rule engines

Biometrics

Account validation

OCR/document verification

Device intelligence

Job description

About Credit Saison

Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.

About Credit Saison

Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about approx ~2000 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Job Description: Fraud Strategy

Location – Bangalore

About The Role

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 Credit Saison India 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. You will be market-informed, technologically progressive, and execution-focused, bridging high-level risk strategy with day-to-day implementation across Product, Tech, Credit, Operations, Analytics, and Legal/Investigations teams.

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 Credit Saison’s end-to-end fraud risk management strategy across both digital (APIs, fintech partnerships, app journeys) and branch-led (assisted, field operations, physical verification) lending channels, under the guidance of CRO and Head of FCU. 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:
  • Digital: Define and deploy safeguards for digital journeys (device fingerprinting, synthetic identity detection, account takeover, dynamic OTP verification, API security).
  • Branch-Led: Establish controls for physical networks (safeguards against document forgery, field-level impersonation, collusion, first-party fraud, and channel partner misrepresentation).
• 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, rule engine deployments, and operational workflows.
• 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. Continuously benchmark internal controls against industry best practices.
• Vendor & Tooling Ecosystem: Evaluate, select, and integrate cutting-edge vendor solutions and fraud prevention technologies (e.g., fraud rule engines, biometrics, bank account validation, OCR/document verification systems, device intelligence) 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 to prevent recurrence across affected channels.
• Regulatory Monitoring & Compliance: Actively monitor regulatory guidelines from the RBI regarding fraud reporting, cyber-resilience, and customer protection; work with respective teams to ensure seamless compliance and timely reporting.
• Leadership & Board Reporting: Develop strategic dashboards and threat assessment materials for the CRO and Management Committees.

Qualification & Experience

• 6-10 years of progressive experience in risk management, with a primary focus on Fraud Strategy, Fraud Analytics, Fraud Tech, or Risk Analytics within a fast-paced Bank, NBFC, or Fintech.
• Demonstrated track record of designing and executing fraud strategies across both digital lending platforms and physical/branch-led networks.
• Bachelor’s degree; preference for a Master's or quantitative background (e.g., Finance, Economics, Engineering, Statistics, or Management).
• Deep domain expertise in Indian digital lending ecosystems, bureau integrations, verification infrastructure (CKYC, Account Aggregator, etc.), and RBI regulatory frameworks.
• Hands-on experience with fraud rule engines, risk modeling, device intelligence tools, and third-party risk management solutions.

You Will Excel In This Role If You

• Are a Tech & Analytics-Dri