Manager - Fraud, Risk & Strategy

About the Team

The Risk team at Navi is responsible for identifying, assessing, and mitigating potential

risks across the organization. The Fraud Risk & Strategy (FRS) team, part of the Risk

function at Navi, owns fraud risk prevention, detection and investigation across all of

Navi's business. To achieve this, FRS partners with Tech, Product & Analytics teams to

define fraud controls, set up alerts as well as identify suspicious patterns through

investigations.

About the Role

Join Navis Group Fraud Risk & Strategy team to lead fraud prevention efforts across our

Lending and Payments businesses. In this role, youll blend analytical thinking with

hands-on execution to detect, prevent, and respond to fraud risks across the customer

lifecycle.

What We Expect From You

The role is expected to focus on the Fraud Risk charter for the Payments and Lending

businesses of the Navi Group, while being part of the Group Fraud Risk & Strategy team.

The responsibilities identified below are to be read in conjunction with this

understanding.

Prevention:

Understand and drive prevention of losses from various fraud modes

(Transaction Fraud, Application Gaps, Account Takeover, 1st and 3rd

Party Fraud).

Partner with Product & Tech teams to build & deploy fraud control /

prevention rules; and also to review adequacy of controls to mitigate

frauds at the design stage.

Detection:

Building appropriate alerting / reporting for emerging fraud attacks.

Liaise with Analytics teams to help build out data models needed for

fraud analytics.

Conduct independent analytics of portfolio behavior to identify fraud

trends / patterns.

Work towards automation of fraud identification and closure processes.

Obtain and monitor reports from Business, Product, Audit, Customer

Service, Finance, Payment Ops, and Customer Complaints to identify red

flags/ early warning signals of fraud.

Investigations:

Work with the FRS Investigations team to study customer frauds,

including Root Cause Analysis and suggest measures to strengthen

existing processes and systems.

Review of samples of cases to check for suspected frauds.

Reporting:

Coordinate with Compliance / Regulators (as applicable) for all

regulatory / statutory reports / data submissions.

Provide required MIS and management reports to Senior Management,

Board Committees and the Board of Directors.

Ensure closure of action points emanating from various investigations and

present the summary of new controls and process improvements to Senior

Management.

Ensure fraud policies, processes and systems are aligned with changing NPCI

(and any other applicable) regulatory requirements.

Must Haves

Bachelors Degree in Engineering / Science with focus on Computer Science /

Mathematics / Finance / Economics

Analytical skills including Excel, SQL, Tableau, Python are a must. Experience in

data analytics is preferred

Experience in digital financial services is preferred, with hands-on collaboration

with Tech & Product teams.

Sound understanding of UPI and the payments industry, and fraud trends and

controls to prevent such transaction frauds.

Ability to communicate effectively with stakeholders and senior management,

including Board Committee members, both verbally and in written

presentations.

Our Culture

At Navi, were a place where ambition meets opportunity and ideas turn into impact quickly. We empower people with high ownership from the start, encouraging them to solve meaningful problems and build with excellence. Teams here work in an environment that values speed, collaboration and craftsmanship, while celebrating learning, growth and shared wins along the way. Whether youre shaping the future of fintech products or driving innovation behind the scenes, life at Navi means being part of a high-energy, talent-driven workplace where your contributions truly make a difference.

Were guided by our own operating system - The Navi OS - a set of principles that shape how we work and win together. You can explore them at navi.com/careers/values-at-navi to see what drives us every day.

If this feels like you, Navi is the place to grow, thrive and make a real impact.