Job

Location:
Gurugram / Chennai Role Purpose: The Fraud Analytics SME will drive the strategic development and operational execution of fraud prevention initiatives using advanced analytics, AI/ML models, and Early Warning Systems. This role is pivotal in enhancing SBI Card’s fraud risk posture across digital and physical channels while ensuring regulatory compliance and customer trust Fraud Analytics ( Prevention ) SME will need to monitor new applications and build rules and models to reduce scenarios of Applications Frauds , ID takeover , Sourcing Executives Frauds and Early MOB Transaction Disputes. . He will work closely with Fraud Strategy and Fraud Ops teams to understand recent fraud trends and implement new strategies. He should implement strategies using analytical tools and feedback from Fraud prevention team to reduce fraud losses. He should regularly review new sourcing patterns to identify any anomalies or concentration of frauds/sourcing patterns by channels, geo locations, or demographics. Role Accountability:
• Fraud Prevention Rule Design & Optimization
- Develop and refine fraud rules monitoring rules on platforms like Falcon, Wibmo, and Hunter to prevent onboarding of any fraudulent/suspicious application and reduce Application Frauds, ID theft, ID takeover scenarios.
• Behavioral & Demographic Screening
• Detection of identity theft, demographic manipulation, and false statements (e.g., overstated income) is part of the pre-acquisition fraud strategy.
• Use of velocity checks, negative database matches,



and recent transaction patterns to flag high-risk applications.
• Early Warning System (EWS) Implementation
- Lead the development and refinement of EWS frameworks to proactively flag high-risk accounts during Onboarding stage and monitoring at Early MOB transactions for potential Cashout and Mule Scenarios.
• Portfolio Risk Analytics
- Monitor customer portfolios for emerging fraud trends and develop predictive insights to guide underwriting and operational decisions. Analyze & design rules for the fraud monitoring systems (Hunter, Credit Bureau) to control key fraud risk metrics like FPR, ADR, VDR etc.
• Cross-Functional Collaboration
- Partner with internal teams (Credit, Operations, Legal) and external stakeholders (merchants, acquirers, law enforcement) to manage fraud cases and drive resolution.
• Automation & Process Optimization
- Build and maintain rule engines and decisioning systems to streamline fraud prevention workflows and reduce manual interventions.
• Regulatory Compliance & Reporting
- Ensure adherence to RBI, DPSC, and internal fraud governance standards through timely reporting and audit readiness. Measures of Success
• AFPR, ADR, VDR




• Fraud Catch Rate
• Rule Coverage Percentage
• Dispute Rate
• Industry Benchmarking: Strive to be best in the industry on Fraud loss to Spends ratio.
• Process Adherence as per MOU Technical Skills / Experience / Certifications
• Technical Expertise
• Proficiency in SAS, Python, R, SQL, and data visualization tools (Tableau, Power BI).
• Experience with AI/ML Model Development.
• Strong understanding of Fraud and ACS Systems like Hunter, Falcon /WIBMO/NPCI platforms
• Functional Knowledge
• Deep understanding of fraud typologies across credit cards, digital payments, and merchant ecosystems.
• Familiarity with regulatory frameworks including RBI’s EWS and DPSC guidelines.
• Analytical & Strategic Thinking
• Ability to translate complex data into actionable insights.
• Experience in building dashboards, scorecards, and fraud heatmaps.
• Leadership & Communication
• Proven ability to lead cross-functional teams and influence senior stakeholders.
• Strong written and verbal communication skills for presenting findings and recommendations. Competencies critical to the role:
• Excellent Team Leading and Interpersonal Skills
• Mentoring the team for Upskilling and address barriers/hurdles for execution. Qualification: Bachelor’s or Master’s degree in Data Science, Computer Science, Economics, Math's, Engineering, Statistics, or related field. Preferred Industry: Banking / Financial Services

📌 Senior Manager (Gurugram)
🏢 Sbi Card
📍 Gurugram