About Amartha

At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We’ve supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2026, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.

Job Overview

Lead the Fraud Detection & Investigation function, covering both Fraud Analytics and Fraud Operations. Responsible for identifying, investigating, and preventing fraud risks, particularly those related to lending products, while continuously strengthening fraud detection systems and investigation capabilities.

Key Responsibilities

1. Fraud Detection & Analytics

• Lead the development and improvement of fraud detection systems, rules, and frameworks.
• Analyze transaction data, customer behavior, and fraud patterns to identify potential risks.
• Strengthen fraud detection strategies based on data analytics and investigation findings.
• Monitor detection effectiveness and minimize fraud exposure and losses.

2. Fraud Investigation & Operations

• Lead and manage fraud investigation teams, including field investigation teams.
• Oversee desk-based and on-field investigations, including case prioritization and escalation.
• Develop investigation frameworks, SOPs, and operational processes.
• Translate investigation findings into improvements to fraud detection systems.

3. Lending Fraud Risk Management

• Understand lending products, business processes, and fraud risks across the lending lifecycle.
• Identify lending-related fraud schemes, including identity fraud, application fraud, document manipulation, and collusion.
• Work with Product, Credit Risk, and Operations teams to strengthen fraud prevention and controls.

4. Team Leadership

• Lead and develop Fraud Analytics and Fraud Operations teams.
• Establish team performance indicators and ensure effective operational execution.
• Collaborate with cross-functional teams to strengthen fraud prevention strategies.

Requirements

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Engineering, Data Science, or a related field.

• Minimum 5+ years of experience in fraud detection or investigation within financial services.
• At least 3 years of experience in a leadership or managerial role.
• Strong experience in retail lending, consumer finance, digital lending, fintech, banking, or multifinance.
• Strong understanding of lending products, credit processes, and lending-related fraud schemes.
• Proven experience in building and managing fraud detection systems and investigation frameworks.
• Experience managing fraud operations and field investigation teams.
• Strong analytical skills with hands-on experience in SQL, Python/R, SAS, or similar tools.
• Strong leadership, problem-solving, and stakeholder management skills.

Key Hiring Focus

Seeking a Head-level leader with a strong combination of Fraud Analytics and Fraud Operations experience, capable of building fraud detection systems, understanding lending-related fraud patterns, and leading field investigation teams.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.