Fraud Ops Analyst: Detect & Prevent Credit Fraud

PayJoy; Philippines; On-site; PHP 600,000 - 900,000; Full time

Benefits offered by this job

Health insurance

20 days vacation

Phone finance

Headphone

Home office equipment

Wellness perks

Co-working travel perk $2,000

Job summary

PayJoy is seeking a Fraud Operations Analyst in the Philippines to monitor, detect, and investigate fraud across Credit Line and Credit Card products. You will work with Risk, Product, Engineering, Collections, and Operations teams to identify control gaps, improve detection, and strengthen prevention throughout the customer lifecycle.

The role suits an analytical, curious investigator who translates fraud trends into practical actions that protect portfolio quality and support sustainable

Qualifications

• Bachelor's degree in finance/commerce/BA or related field.
• Two to four years of fraud operations or financial crime experience.
• Strong analytical and problem-solving skills.
• Experience with fraud tools, case management systems, dashboards and reporting.
• Excellent written and verbal English communication.
• Ability to manage multiple investigations concurrently.

Responsibilities

• Conduct daily reviews of fraud alerts, high-risk applications, and suspicious activity across Credit Line and Credit Card products.
• Investigate fraud cases including identity fraud, account takeovers, synthetic identities, and other vectors.
• Monitor fraud trends and operational metrics to identify new patterns and control weaknesses.
• Perform manual reviews and customer outreach to validate applications and support investigations.
• Document findings, maintain case records, and escalate suspicious activity timely.
• Support development and optimization of fraud rules, controls, and processes.
• Prepare fraud performance reports and analytical summaries for decision making.

Skills

Analytical skills

Problem solving

English communication

Fraud tools

Data analysis

Education

Bachelor's degree

Tools

Fraud tools

Case management systems

Dashboards

Job description

PayJoy is seeking a Fraud Operations Analyst in the Philippines to monitor, detect, and investigate fraud across Credit Line and Credit Card products. You will work with Risk, Product, Engineering, Collections, and Operations teams to identify control gaps, improve detection, and strengthen prevention throughout the customer lifecycle.

The role suits an analytical, curious investigator who translates fraud trends into practical actions that protect portfolio quality and support sustainable