BNPL Anti-Fraud Manager (Strategy, Policy, Architecture Design)

We are seeking a highly skilled BNPL (Buy Now, Pay Later) Anti-Fraud to lead and develop our fraud prevention strategy. The ideal candidate will have extensive experience in fraud detection, credit risk management, and working with real-time transaction monitoring systems. You will be responsible for designing and implementing processes to identify, mitigate, and manage fraudulent activities within our BNPL operations, ensuring secure and compliant customer transactions.

Key Responsibilities:

• Fraud Strategy Development: Design and lead the implementation of anti-fraud strategies specific to BNPL services, balancing risk and customer experience.

• Real-Time Monitoring: Manage and optimize real-time transaction monitoring systems to detect and prevent fraudulent activity.

• Data-Driven Insights: Use advanced data analytics, machine learning models, and AI tools to identify suspicious patterns and anomalies.

• Credit Risk Evaluation: Collaborate with the credit risk team to assess customers’ creditworthiness and optimize fraud prevention during the credit approval process.

• Third-Party Integrations: Integrate external fraud detection tools, such as credit bureau data (PCB, CIC), blacklist checks (Kalapa), and fraud scoring tools into BNPL platforms.

• Team Leadership: Build and lead a high-performing fraud prevention team, providing guidance and training on best practices and emerging fraud trends.

• Collaboration: Work closely with engineering, product, and legal teams to ensure that fraud prevention measures comply with regulatory standards.

• Reporting & Compliance: Develop reports and dashboards to track fraud incidents, analyze trends, and maintain compliance with local financial regulations.

• Customer Communication: Design customer verification workflows and manage communication processes when fraud is detected (e.g., additional verification steps).

• Adaptability to External Changes: Stay updated on shifts in Vietnam's social, economic, and legal environment and swiftly adapt fraud prevention strategies to address emerging risks. Proactively upgrade anti-fraud systems to ensure alignment with new regulations, industry trends, and fraud tactics in the local market.

• Experience: 5+ years in fraud prevention, risk management, or financial crime, preferably within fintech or BNPL.

• Technical Knowledge: Familiarity with fraud detection systems, machine learning models, credit scorecards, and payment gateways.

• Analytical Skills: Strong ability to analyze large datasets, detect patterns, and provide actionable insights to mitigate risks.

• Familiarity with Regulations: Knowledge of financial and data privacy regulations relevant to BNPL and credit risk.

• Leadership: Proven experience in managing teams and cross-functional projects.

• Local Market Knowledge: Understanding of Vietnam’s social, economic, and legal landscape, and experience in adjusting strategies based on these dynamics.

Benefits:

• Attractive compensation, with bonus according to company’s policy.

• 15 days of annual leave plus 3 days of summer leave.

• Fully paid social insurance & premium healthcare insurance for employees.

• Annual performance-based salary review.

• Engagement activities and additional benefits as per Vietnamese Labor Law.