Fraud Risk Manager (Anti-Fraud)

As the Fraud Risk Manager for PalmPay Philippines you will be the tactical commander responsible for safeguarding our 3C/Smartphone financing business against sophisticated fraud vectors.

This is NOT an academic or theoretical role. We are looking for a field-hardened data-driven practitioner who can balance sharp operational metrics with gritty boots-on-the-ground fraud investigations. You will directly manage three frontline defense units to combat organized loan syndicates merchant/promoter collusions and identity theft across our retail footprint in the Philippines.

Teams Managed

• Pre-Disbursement Verification Team (Welcome Call)
• Desktop Credit Review Team (Underwriting/Credit Review)
• Field & Merchant Investigation Team (Offline Anti-Fraud)
  

• Pre-Disbursement Verification (Welcome Call): Oversee the calling strategy and team performance to detect loan broker behaviors ghost loans (third-party applications) and high-risk profiles prior to loan release. Maximize contactability while maintaining high detection accuracy.
• Desktop Credit Review: Design and execute secondary manual review workflows. Train underwriters to spot mismatched application data altered documentation and digital tampering (e.g. photoshopped payslips or IDs).
• Field & Merchant Investigation: Command the field investigation team. Establish high-efficiency SOPs for rapid deployment to dealer shops and Point-of-Sale (POS) outlets when fraud anomalies or velocity alerts trigger.

• Lead deep-dive investigations into Internal Fraud and Merchant Collusionspecifically targeting rogue sales promoters or retail dealers who fabricate applications manipulate customer data or facilitate illegal cash-out operations.
• Establish proactive mechanisms to detect and dismantle local Loan Brokers (Syndicates) who recruit dummy applicants (mules) to buy and split smartphones.
• Build strong industry intelligence networks and collaborate closely with corporate legal teams and local law enforcement agencies (PNP/NBI) to initiate legal actions against fraud rings.

• Monitor and analyze key fraud process metrics daily: Application Fraud Rate Identity Impersonation Rate First Payment Default due to Fraud (Fraud-FPD) and False Positive Rates.
• Leverage data patterns (e.g. abnormal spikes in application velocity from specific dealer outlets devices or geographic clusters) to trace root causes.
• Translate field investigation findings back into the risk engine by collaborating with the tech and model teams to refine e-KYC parameters device fingerprinting and blacklists.

• Industry Experience: 4 years of solid fraud risk experience specifically within Device Financing / 3C Point-of-Sale (POS) Lending or Digital Consumer Finance in the Philippines. Direct alumni from Home Credit Salmon Skyro or Billease are highly preferred.
• Proven Fieldwork Track Record: Must have hands-on experience in Field/Offline Fraud Investigations. You must know how to conduct field cross-examinations shop audits and handle uncooperative merchants or promoters.
• The Doer Persona: We reject purely theoretical candidates. You must possess an investigative mindset a high level of physical energy to drive frontline results and unyielding professional integrity under pressure.
• Strong Data Analytics (Non-Academic): Highly proficient in Excel and SQL. You do not need a PhD in statistics but you must be able to independently extract data run cross-tabs spot anomalies in massive transaction sheets and map out syndicate networks using data.
• Local Ecosystem Knowledge: Deep understanding of the Philippine identity landscape (e.g. UMID PhilSys/National ID Drivers License quirks) local payment behaviors and regulatory boundaries (NPC/Data Privacy Act).
• Communication: Excellent verbal and written English communication skills. Proven capability to lead a local operations team while collaborating seamlessly with cross-border management.