About Paytm: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. Lending Fraud Risk Operations Deputy Manager / Manager Position Overview We are seeking an experienced professional to join our Lending Fraud Risk Operations team. The successful candidate will be responsible for identifying, investigating, and mitigating fraud risks across our digital lending portfolio. This role requires deep expertise in fintech lending operations, advanced analytical skills, and a thorough understanding of the digital payments ecosystem. Key Responsibilities Lead fraud investigation and risk assessment for online lending products including BNPL, personal loans, merchant loans, and EMI schemes Developandimplementfrauddetectionstrategiesandoperational frameworks for digital lending services Monitor, analyze, and report on fraud trends, patterns, and emerging threats in the lending ecosystem Collaborate with cross-functional teams including product, technology, and compliance to enhance fraud prevention measures Design and maintain fraud monitoring dashboards using SQL queries and Power BI visualizations Conduct detailed case investigations and prepare comprehensive fraud assessment reports Ensure compliance with regulatory requirements including NPCI guidelines and RBI regulations Train and mentor junior team members on fraud investigation techniques and risk assessment methodologies Interface with external agencies, law enforcement, and regulatory bodies as required Continuously improve fraud detection algorithms and operational processes Required Qualifications & Experience Essential Requirements Minimum 4-7 years of experience in fraud risk operations within fintech companies Proven experience with leading fintech lending service providers Extensive hands-on experience in fraud investigation specific to online lending products: Buy Now Pay Later (BNPL) services Personal loan platforms Merchant lending and cash advance products EMI and installment-based lending Advanced proficiency in SQL for data analysis and fraud pattern identification Experience with business intelligence tools, Power BI strongly preferred Bachelor's degree in Finance, Economics, Statistics, Computer Science, or related field Preferred Qualifications Deepunderstandingofmerchantecosystemandpaymentgateway operations KnowledgeofNPCIregulations,UPIguidelines,anddigitalpayment compliance requirements Experience with machine learning applications in fraud detection Professionalcertificationsinfraudexamination(CFE,CAMS)orrisk management Skills & Competencies Technical Skills AdvancedSQLanddatabase querying Power BI dashboard development Statisticalanalysisandpattern recognition Risk assessment frameworks Data visualization and reporting Domain Expertise Digital lending fraud patterns Fintech regulatory landscape Payment ecosystem knowledge Investigation methodologies Compliance and audit processes What We Offer Competitive salary package Comprehensive health and wellness benefits Professional development and certification support Flexible working arrangements Opportunity to work with cutting-edge fintech technologies Career advancement opportunities in a rapidly growing organization Key Focus Areas: BNPL, Personal Loans, Merchant Loans, EMI Products, and Digital Lending Fraud Prevention.