Key Responsibilities: * Performance Reporting and Fraud Trend Monitoring: * Deliver monthly reports on key fraud performance metrics for Consumer and SME segments.* Analyze fraud trends and patterns across locations, providing insights and highlighting anomalies and areas requiring attention.* Lead active participation in the transition to an automated dashboard to improve data efficiency, reporting timeliness, and alignment with group-level fraud dashboards.* AI/ML Deployment and System Enhancements: * Collaborate with local teams to evaluate, pilot, and deploy AI/ML-based solutions to enhance fraud detection, prevention, and deterrence capabilities.* Support the implementation of fraud control measures tailored to each location's specific risk profile while ensuring alignment with regional strategies and data capabilities.* Review fraud rule performance and recommend optimizations based on emerging fraud trends and observed case patterns.* Fraud Governance and Control Framework: * Coordinate the periodic Fraud Risk Assessment (FRA) process, ensuring timely stakeholder engagement and accurate updates reflecting the current risk landscape.* Lead the renewal and governance of regional credit fraud standards, including gathering feedback, updating documentation, and communicating with stakeholders.* Fraud Event Reviews and Thematic Analysis: * Conduct post-mortem reviews with local teams following material fraud events, identifying root causes and recommending control enhancements.* Maintain a regional tracker of fraud cases and losses, identifying recurring themes and enabling effective oversight and proactive responses to emerging fraud risks.* Quality Assurance and Independent Review: * Perform independent quality assurance checks on review cases to ensure quality of fraud review.* Provide guidance to local teams on quality improvement measures and adherence to established processes.* Regional Engagement and Escalation: * Serve as the point of contact for regional CFRM matters, providing timely support, clarifying questions, and driving alignment across locations.* Facilitate effective communication and coordination across stakeholders, including product, technology, and data teams, when addressing fraud-related issues or initiatives.Job Requirements: * Minimum 5 years of experience in fraud risk management, credit risk, audit, or analytics, preferably within consumer or SME lending.* Proven experience working in cross-country or regional roles and with strong communication and stakeholder management skills, demonstrating the ability to influence and collaborate effectively across diverse teams.* Strong understanding of understanding of credit fraud types with knowledge of fraud prevention frameworks and risk assessment methodologies and has the ability to design and execute fraud mitigation strategies.* Familiarity with Generative AI/AI/ML concepts in fraud detection and the ability to effectively collaborate with technical and data science teams.* Strong analytical thinking to assess emerging threats with ability to make data-driven decisions* High attention to detail, a strong ownership mindset, and the ability to manage multiple deliverables in a fast-paced environment.* Skilled at writing and presenting fraud risk reports for senior management.-en