B2B Lending Anti-Fraud Manager

We are looking for a manager to join the anti-fraud team. Your task is to build a fraud management system for the B2B lending segment (small, medium, and corporate business). You will need to develop methodologies and processes, as well as establish collaboration with developers and the business.

What tasks await you

Anti-fraud system in B2B lending You will develop anti-fraud strategy and policies for B2B products, define approaches to assessing fraud risk at the level of the borrower company, its beneficiaries, and affiliated structures, and formulate fraud rules and scenarios for different stages of the cycle (onboarding → application → underwriting → disbursement → post-monitoring). It is also necessary to regularly report to management on key metrics: loss rate, identified schemes, effectiveness of measures, and development plans.

Optimization of anti-fraud processes You will be responsible for describing and implementing anti-fraud processes from application to write-off, delineating areas of responsibility (anti-fraud, risk, credit department, sales, collections). It is necessary to analyze fraud cases and build typologies of fraud, test and calibrate fraud rules while maintaining a balance between loss levels and impact on conversion and disbursement speed. You will also develop procedures: checking counterparties, conducting KYC/KYB, verifying beneficiaries, working with anomalous signals, organizing escalation and decision-making. You will need to organize operational verification of suspicious applications and existing clients, set up SLAs and KPIs for processing alerts, manual checks, and investigations.

Development of the anti-fraud system You will formulate requirements for the development and analytics of the anti-fraud platform (anti-fraud scoring, rules, alerting, monitoring), select and integrate external data sources, and build a system for monitoring anomalies and a feature store.

We expect that you

• Have at least three years of experience working with anti-fraud in B2B lending (in a bank or fintech)
• Have built processes from scratch or radically restructured them
• Have participated in projects to integrate external data sources about companies (legal entities and individual entrepreneurs)
• Have configured scoring or fraud monitoring systems
• Have developed fraud rules and scenarios
• Have investigated fraud cases (B2B), improved processes and rules
• Know typical fraud schemes in corporate and SME lending and measures to mitigate them
• Understand requirements for checking beneficiaries and affiliations
• Formulate requirements for analytics and development teams, know key metrics (PD, fraud rate, precision/recall of models and rules)
• Can explain complex fraud solutions to business and top management in simple terms

Will be a plus

• Knowledge of SQL and Python