Senior Associate – Fraud Risk

Branch Overview

Branch is a leading AI-powered lending fintech with 50M+ downloads across India and Africa. We use alternative data and machine learning to expand financial access for millions of people traditionally excluded from the formal financial system. Founded by the former CEO of Kiva.org and backed by leading investors including Andreessen Horowitz, Visa, and the IFC, Branch combines mission-driven impact with world-class technology and scale.

In India, Branch operates as a regulated digital lending institution and Middle Layer NBFC, building trusted and accessible financial products for millions of customers across the country. Our 250+ member India team is growing rapidly and works across technology, data science, risk, product, and operations to solve high-impact problems at scale. 

Certified as a Great Place to Work in 2025, Branch offers the opportunity to build meaningful careers while shaping the future of inclusive fintech in one of the world’s fastest-growing digital economies.

Responsibilities

• Lead complex fraud investigations, identify root causes and analyse emerging fraud trends.
• Identify fraud control gaps across the personal loan lifecycle.
• Review and manage Show Cause Notices (SCNs), Reasoned Orders (ROs), customer responses, and case resolutions.
• Support RBI related fraud reporting including Fraud Monitoring Returns and FUAs as applicable.
• Ensure accurate and timely fraud data submissions and regulatory reporting.
• Analyse fraud incident data and prepare management reports, dashboards and actionable insights.
• Collaborate with cross functional teams to strengthen fraud risk controls.
• Support the Fraud Risk Lead in day-to-day activities, process improvements and key initiatives.
• Guide Associates, review investigation quality and provide knowledge sharing sessions and training.
• Maintain accurate fraud repositories, investigation records and reporting documentation.

Qualifications

• 6–7 years of experience in fraud risk management, fraud investigations or anti-fraud operations, preferably in lending, fintech, or NBFCs.
• Strong understanding of fraud detection, investigation methodologies, and fraud prevention controls.
• Experience in regulatory fraud reporting, including FMRs and FUAs.
• Working knowledge of SQL queries and data analysis.
• Strong problem solving, communication and presentation skills.
• Ability to manage complex investigations, collaborate across teams and drive process improvements.