Risk Analytics - Manager/Senior Manager - Risk Operations

Location: Noida, Uttar Pradesh

Department: Operations & Support Risk Operations-Offline Payments

Employment Type: Full-time Employment

Work Environment: On-site

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.

About the team:

This team involves in making a difference. A lot of contingency and new challenges are encouraged

within the team to do stuff that is meaningful for those we serve. We are successful, and our successes

are rooted in our people's collective energy and unwavering focus on the employees, and that's how it will

always be change management in Social Media.

Why join us?

If you are the right fit, we believe in creating wealth for you with enviable 500 mn+ registered users, 21

mn+ merchants, and depth of data in our ecosystem, we are in a unique position to democratize credit for

deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is

brewing here. It’s your opportunity to be a part of the story!

About the Role:

As a Manager in Fraud Analytics, you will play a key role in monitoring, analyzing, and preventing

fraudulent activities across our payment platforms. Reporting to the Senior Manager Fraud Analytics, you

will be responsible for building and maintaining fraud detection models, configuring rules, and supporting

control-related projects. You will also collaborate with other teams such as Risk ops, Product, and

Engineering to ensure that the organizations risk controls are both effective and scalable.

Key Responsibilities:

● Develop and refine fraud detection models, leveraging both rule-based and data-driven

approaches to prevent and mitigate fraud risks.

● Monitor real-time transaction data for suspicious activity, escalating concerns and providing

recommendations for corrective action.

● Assist in the configuration of fraud detection rules within the transaction monitoring system,

ensuring accuracy and minimal false positives.

● Analyze fraud trends and transaction patterns to proactively address potential vulnerabilities and

emerging fraud schemes.

● Collaborate with cross-functional teams, including Risk, Compliance, and Product, to ensure

fraud risk mitigation strategies are aligned with business objectives.

● Support fraud-related control projects, from planning through to execution, ensuring compliance

with RBI regulations and internal risk frameworks.

● Assist in preparing fraud risk reports for senior management, outlining key insights, emerging

trends, and actionable recommendations.

● Work closely with the Senior Manager to ensure regulatory requirements are met, including

adherence to RBI and other regulatory standards.

● Continuously improve fraud monitoring tools and techniques, suggesting enhancements to

improve fraud detection accuracy and efficiency.

● Participate in regulatory audits and assist in responding to fraud-related queries from authorities.

Qualifications:

● A bachelors degree in Data Analytics, Statistics, Risk Management, or a related field is preferred.

● 4-8 years of experience in fraud analytics, risk management, or a related role within the fintech or

payments industry.

● Strong understanding of fraud detection techniques, including rule-based systems and

data-driven models.

● Experience with fraud detection tools, transaction monitoring systems, and data analytics

platforms.

● Familiarity with RBI guidelines and other regulatory frameworks governing payment companies in

India.

● Strong analytical and problem-solving skills, with the ability to identify trends and make

data-driven decisions.

● Excellent communication skills, with the ability to present insights and findings clearly to both

technical and non-technical audiences.

● Experience working in a high-volume transaction environment, such as a payments gateway,

mobile wallet, or UPI system.

Preferred Skills:

● Knowledge of machine learning models for fraud detection.● Experience working with fraud detection systems in the fintech space, especially in a licensed

TPAP setup.

● Familiarity with compliance and audit requirements in a regulated financial environment.

Why Join Us:

We aim at bringing half a billion Indians into the mainstream economy, and everyone working here is

striving to achieve that goal. Our success is rooted in our peoples collective energy and unwavering focus

on the customers, and thats how it will always be. We are the largest merchant acquirer in India.

Compensation:

If you are the right fit, we believe in creating wealth for you. With enviable 500 mn registered users, 21 mn

merchants, and depth of data in our ecosystem, we are in a unique position to democratize credit for

deserving consumers & merchants and we are committed to it. Indias largest digital lending story is

brewing here. Its your opportunity to be a part of the story!