Fraud Prevention Analyst

About Amartha Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About the Team The Fraud Prevention team plays a critical role in protecting Amartha’s lending ecosystem by proactively identifying, analyzing, and mitigating fraud risks across the portfolio. The team works closely with Risk, Operations, Collection, and Field teams to monitor abnormal patterns, strengthen fraud controls, and ensure healthy portfolio quality. By leveraging data-driven insights and collaborative investigation processes, the team helps maintain sustainable business growth while safeguarding customers and operational integrity.

Responsibilities • Proactively monitor lending portfolio performance to identify early signs of fraud, abnormal behaviors, and suspicious patterns before they escalate into massive issues. • Analyze repayment trends, customer behavior, branch performance, and operational anomalies to detect potential fraud risks and emerging fraud schemes. • Develop and maintain fraud monitoring indicators, early warning triggers, and watchlist mechanisms for high-risk branches, customers, or activities. • Collaborate with Operations, Risk, Collection, and Field Teams to validate findings and implement preventive actions to mitigate fraud exposure. • Prepare fraud risk analysis, insights, and recommendations for management to strengthen fraud prevention controls and improve portfolio quality