Lead Fraud Control Unit (Gurugram)

Responsibilities for the job: Lead end-to-end Fraud Analytics strategy across all digital lending products, covering onboarding, underwriting, disbursement, and repayment lifecycle Own fraud risk performance for the portfolio by monitoring key metrics such as FPD, EPD, fraud rates, and loss trends; ensure fraud losses remain within defined thresholds Design, develop, and continuously enhance fraud detection strategies leveraging rules engines, scorecards, statistical models, and advanced analytics techniques Lead the development and deployment of next-generation fraud detection capabilities using Generative AI, including LLM-powered workflows, Retrieval-Augmented Generation (RAG), and autonomous AI agents Conceptualize and implement agentic workflows to automate fraud investigation processes, anomaly detection, and signal generation at scale Drive innovation through use of synthetic data generation and simulation frameworks to identify emerging fraud typologies and stress-test fraud controls Define and implement fraud risk policies, underwriting rules, and approval frameworks to optimize customer experience while minimizing fraud risk Collaborate with business, partnerships, and external stakeholders to strengthen sourcing quality, improve underwriting frameworks, and enhance fraud prevention mechanisms Lead partnerships with external data providers (bureau, alternate data, device intelligence, telecom, etc.) and evaluate recent data sources through pilots and POCs Drive deep-dive analytics on fraud incidents, emerging patterns, and channel-level risks; translate findings into actionable strategies, features, and rule enhancements Build and oversee scalable fraud data infrastructure, including feature marts and monitoring systems, in collaboration with Data Engineering, Tech, and DWH teams Define fraud KPIs, dashboards, and reporting frameworks for senior leadership, ensuring timely and actionable insights Lead cross-functional collaboration with FCU, Risk, Credit, Col .