Credit Manager (Fraud)

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Confidencial (Apenas para Cadastrados) has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 65+ million customers get more from their money every day.

As we continue our lightning-fast growth,‌ 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work™. So far, we have 10,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

The credit department at Confidencial (Apenas para Cadastrados) is anything but ordinary. They design, develop and launch credit products across the globe

The team manages our products from day one to the end – developing the back and front-end, the data science infrastructure, and then creating a local set-up in each country with scalable risk management and portfolio management solutions.

It's a big old job, but our people are a Credit to us all

Our Credit Manager (Fraud) will lead credit fraud operations for our global credit business. You’ll be a fountain of knowledge on regulatory risk and compliance standards, an expert in strategic initiatives to optimise fraud detection and mitigation, and have a sixth sense related to emerging fraud trends through data driven analysis.

Up for the challenge? Let's get in touch

• Ensuring product-level compliance with group fraud policies
• Continuously improving credit fraud policies, procedures and the credit fraud playbook
• Strategically investigating and ensuring remediation of risk incidents, risk issues and control breaches for credit product fraud risk
• Engaging cross-functionally where appropriate to drive the prioritisation of credit fraud related issues
• Defining metrics and dashboards to enable proactive monitoring of early warning indicators
• Owning and delivering required updates on credit fraud at various forums and committees
• Ensuring no breaches of the defined credit fraud risk appetite

• 5+ years experience of managing credit fraud preferably in a retail bank or fintech
• Deep knowledge of credit fraud related investigative processes
• Demonstrable success implementing fraud controls and metrics
• Highly analytical mindset with excellent problem solving skills
• Curiosity and drive to identify and implement improvements to automate wherever possible

• Solid understanding of credit policy governance framework and is able to work through 2nd/3rd line of defence in a competent manner
• The ability to deliver excellent results that exceeds requirements, plan appropriately to meet multiple objectives and think forward on inter-dependencies to proactively identify and resolve issues
• Solid understanding of retail credit products
• Generally clear, concise and structured communication style with the ability to explain complex concepts in simple manner
• Deep thinker mindset and the ability to process a lot of information
• Excellent working knowledge of SQL & other data analysis tools and also willing to learn new technology

Building a global financial super app isn’t enough. Our Confidencial (Apenas para Cadastrados)ers are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.

Important notice for candidates:

Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles.

• Only apply through official Confidencial (Apenas para Cadastrados) channels. We don’t use any third-party services or platforms for our recruitment.
• Always double-check the emails you receive. Make sure all communications are being done through official Confidencial (Apenas para Cadastrados) emails, with an @Confidencial (Apenas para Cadastrados).com domain.

We won't ask for payment or personal financial information during the hiring process. If anyone does ask you for this, it’s a scam. Report it immediately.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Confidencial (Apenas para Cadastrados). I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Confidencial (Apenas para Cadastrados) may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Confidencial (Apenas para Cadastrados)'s Candidate Privacy Notice