Fraud Risk Expert, Strategy & Analytics - Credit

About the team

This is a regional role covering ASEAN markets, responsible for fraud risk strategy for Monee’s consumer credit products. 

You will work closely with product, engineering, and business teams to design and scale risk controls in a fast-growing environment, with direct visibility into business impact and ownership over strategy decisions across multiple markets.

What you'll do

• Develop and refine fraud risk strategies across key risk areas, including transaction misuse, merchant-related risks, coordinated fraud activity, and scam-related threats across the credit lifecycle
• Frame ambiguous fraud problems into structured hypotheses with clear success metrics
• Apply data analytics and machine learning methods to detect patterns, quantify exposure, and evaluate strategy performance
• Establish and track key indicators across the four scenes; review emerging patterns and iterate strategy
• Analyze daily risk exposure and fraud loss P&L; present findings and actionable recommendations to senior management
• Analyze local market dynamics and cross-market MO propagation to inform regional framework decisions
• Develop KPI reports and drive ongoing enhancement of business policies and processes

Requirements

• Bachelor's degree or higher in Computer Science, Engineering, Business Analytics, Information Technology, Finance, Statistics, or a related field
• Minimum 3 years hands-on experience in data analytics or applied data science
• Experience in the finance, banking, or fintech sector is preferred
• SQL and Python — required; used daily for analysis, feature engineering, and prototyping
• AI coding assistants — familiarity with Claude Code, Codex, or equivalent tools for accelerating analysis, prototyping, and investigation workflows
• Machine learning methods — hands-on experience applying supervised learning, anomaly detection, graph / network analysis or adjacent risk problems
• Statistical reasoning — hypothesis testing, experimentation design, and basic causal reasoning for evaluating strategy impact
• Written and verbal communication — able to translate data into a clear narrative for senior management
• Strong problem-definition and structured problem-solving ability — frame ambiguous risk problems, decompose them into tractable sub-problems, and drive resolution end-to-end with minimal scaffolding
• Domain fluency — prior experience in payment fraud, merchant risk, or fraud ring detection is preferred
• Cross-functional collaboration — proven ability to partner with underwriting, modeling, product, and operations teams in a fast-paced environment