Fraud Operations Analyst

PayJoy · Bangalore

Hybrid

Full-time

Mid

Financial Products

Posted June 11, 2026

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Job Description

About PayJoy

PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

The Fraud Operations Analyst will be responsible for monitoring, detecting, and preventing fraud across the India portfolio. This role focuses on early risk detection, manual review workflows, fraud trend analysis, and execution of fraud mitigation strategies in collaboration with Risk, Product, GTM, and Collections teams.

The analyst will play a critical role in identifying emerging fraud patterns such as synthetic identity, repeat borrower abuse, promoter collusion, and device related fraud, and translating these into actionable controls

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