Sr Lead - CRO Office

About Credit Saison Established in 2019, Credit Saison India (CS India) is one of the countrys fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting Indias huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about approx ~2000 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japans largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison Internationals global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology. Job Description: Fraud Strategy Location Bangalore About The Role Operating directly out of the Chief Risk Officer's (CRO's) Office, the Individual will serve as the strategic enterprise lead for all fraud prevention, detection, and mitigation capabilities. This is a deeply tech and analytics-focused role sitting at the critical intersection of risk strategy, data science, tech innovation, product design, and operational execution. As Credit Saison India scales across diverse lending channelsspanning fully digital fintech integrations to branch-led physical/assisted operationsthis leader will architect and execute robust product-level fraud control frameworks. You will be market-informed, technologically progressive, and execution-focused, bridging high-level risk strategy with day-to-day implementation across Product, Tech, Credit, Operations, Analytics, and Legal/Investigations teams. Key Responsibilities Tech & Analytics-Driven Fraud Architecture: Partner directly with Engineering, Data Science, and Product teams to design, build, and scale real-time automated fraud rule engines, predictive ML/AI fraud models, API security controls, device intelligence, and automated decisioning platforms.Advanced Analytics & Pattern Detection: Leverage data science, network graph analytics, anomaly detection, and predictive modeling to proactively identify complex fraud rings, synthetic identity networks, and emerging attack vectors across digital and branch portfolios.Strategic Fraud Governance & Frameworks: Design, implement, and continually evolve Credit Saisons end-to-end fraud risk management strategy across both digital (APIs, fintech partnerships, app journeys) and branch-led (assisted, field operations, physical verification) lending channels, under the guidance of CRO and Head of FCU. Establish Key Fraud Indicators (KFIs), risk tolerance thresholds, and fraud-loss mitigation goals.Product-Level Fraud Strategy: Partner closely with Product Managers to build friction-appropriate fraud controls into customer journeys across the lifecyclefrom acquisition, onboarding, and underwriting to disbursement and servicing.Channel-Specific Fraud Controls:Digital: Define and deploy safeguards for digital journeys (device fingerprinting, synthetic identity detection, account takeover, dynamic OTP verification, API security).Branch-Led: Establish controls for physical networks (safeguards against document forgery, field-level impersonation, collusion, first-party fraud, and channel partner misrepresentation).Cross-Functional Execution: Act as the primary engine for executing fraud initiatives. Work hand-in-hand with Tech, Product, Analytics, Operations, Compliance, and Field teams to translate high-level strategies into executable product features, rule engine deployments, and operational workflows.Market Benchmarking & Threat Intelligence: Maintain deep awareness of market standards, emerging fraud vectors, and evolving risk topologies across .