About The Team

This is a regional role covering ASEAN markets, responsible for fraud risk strategy for Monee's consumer credit products.

You will work closely with product, engineering, and business teams to design and scale risk controls in a fast-growing environment, with direct visibility into business impact and ownership over strategy decisions across multiple markets.

Job Description

Develop and refine fraud risk strategies across key risk areas, including transaction misuse, merchant-related risks, coordinated fraud activity, and scam-related threats across the credit lifecycle
Frame ambiguous fraud problems into structured hypotheses with clear success metrics
Apply data analytics and machine learning methods to detect patterns, quantify exposure, and evaluate strategy performance
Establish and track key indicators across the four scenes; review emerging patterns and iterate strategy
Analyze daily risk exposure and fraud loss P&L present findings and actionable recommendations to senior management
Analyze local market dynamics and cross-market MO propagation to inform regional framework decisions
Develop KPI reports and drive ongoing enhancement of business policies and processes

Requirements

Bachelor's degree or higher in Computer Science, Engineering, Business Analytics, Information Technology, Finance, Statistics, or a related field
Minimum 3 years hands-on experience in data analytics or applied data science
Experience in the finance, banking, or fintech sector is preferred
SQL and Python — required; used daily for analysis, feature engineering, and prototyping
AI coding assistants — familiarity with Claude Code, Codex, or equivalent tools for accelerating analysis, prototyping, and investigation workflows
Machine learning methods — hands-on experience applying supervised learning, anomaly detection, graph / network analysis or adjacent risk problems
Statistical reasoning — hypothesis testing, experimentation design, and basic causal reasoning for evaluating strategy impact
Written and verbal communication — able to translate data into a clear narrative for senior management
Strong problem-definition and structured problem-solving ability — frame ambiguous risk problems, decompose them into tractable sub-problems, and drive resolution end-to-end with minimal scaffolding
Domain fluency — prior experience in payment fraud, merchant risk, or fraud ring detection is preferred
Cross-functional collaboration — proven ability to partner with underwriting, modeling, product, and operations teams in a fast-paced environment

Fraud Risk Expert, Strategy & Analytics - Credit

Fraud Risk Analyst, Strategy & Analytics - Payment