Senior Anti-Fraud & Credit Policy Manager

Who We Are 

We're a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience. 

The Role 

The Senior Anti-Fraud & Credit Policy Manager leads the Bank's Credit Policy and Fraud Prevention function, ensuring robust controls across customer onboarding, loan origination, and portfolio management. The role is responsible for developing and optimizing fraud prevention strategies, KYC controls, credit policy rules, and fraud detection models while safeguarding the business against financial crime and operational losses. 

The successful candidate will oversee anti-fraud systems, external risk data providers, blacklist management, and continuous monitoring of fraud attacks. Working closely with Risk, Credit, Product, Operations, Technology, Compliance, and Data Science teams, this role will drive automation, enhance decisioning frameworks, and strengthen fraud prevention capabilities across the lending lifecycle. 

This role is ideal for someone with extensive experience in fraud risk management, credit policy, digital lending, and data-driven decisioning within banking or fintech. 

What You Will Do 

• Lead the design, implementation, and continuous improvement of credit policies and anti-fraud strategies across all lending products. 

• Develop, monitor, and optimize KYC, customer verification, and fraud prevention controls throughout the customer lifecycle. 

• Design, implement, and fine-tune fraud detection rules, cross-match models, and decision engines to improve fraud detection while minimizing false positives. 

• Manage fraud prevention platforms and decisioning systems to enhance approval quality and customer experience. 

• Oversee relationships with external risk data providers, including credit bureaus, identity verification providers, device intelligence, and fraud intelligence vendors. 

• Evaluate the effectiveness of third-party fraud and identity solutions and recommend enhancements where necessary. 

• Own and maintain customer, device, identity, and merchant blacklists, ensuring timely updates and governance. 

• Monitor fraud trends, emerging threats, attack patterns, and suspicious activities across digital channels. 

• Lead daily fraud monitoring, investigate fraud incidents, and coordinate rapid response actions to mitigate losses. 

• Develop fraud dashboards, KPIs, and management reports to support executive decision-making. 

• Conduct root cause analysis of fraud events and implement preventive controls. 

• Collaborate with Product, Engineering, Data Science, and Operations teams to implement new fraud controls and policy enhancements. 

• Review lending policies and recommend updates based on portfolio performance, fraud trends, regulatory changes, and business strategy. 

• Support internal and external audits, regulatory examinations, and compliance activities relating to fraud prevention and credit policy. 

• Ensure all fraud prevention activities comply with regulatory requirements and internal governance standards. 

• Lead continuous improvement initiatives through automation, analytics, and advanced fraud detection techniques. 

Requirements

What You Bring 

Educational Qualification 

• Bachelor's degree in Computer Science, Information Technology, Mathematics, Statistics, Economics, Finance, Accounting, Engineering, or a related discipline. 

• Master's degree is an added advantage. 

Professional Certifications 

• Certified Fraud Examiner (CFE) – preferred. 

• Certified Anti-Money Laundering Specialist (CAMS) – an advantage. 

• Certified Risk Management Professional (CRMP), FRM, or equivalent certifications are desirable. 

• Professional certifications in Data Analytics, SQL, Python, SAS, or Power BI are an added advantage. 

Experience 

• Minimum of 6–8 years of experience in Fraud Risk Management, Credit Policy, Financial Crime, Credit Risk, or Digital Lending. 

• At least 3 years in a leadership or senior specialist role. 

• Experience within banking, fintech, consumer lending, or financial services. 

• Hands-on experience managing fraud prevention systems, KYC platforms, and rule-based decision engines. 

• Experience working with external fraud intelligence, identity verification, and credit bureau providers. 

Professional Competencies 

• Strong knowledge of digital fraud prevention, financial crime, and credit policy management. 

• Deep understanding of KYC, Customer Due Diligence (CDD), identity verification, and fraud risk controls. 

• Experience designing and optimizing fraud rules, scorecards, cross-match models, and decision engines. 

• Strong understanding of fraud attack vectors, synthetic identity fraud, account takeover, device fraud, application fraud, and first-party fraud. 

• Experience managing external risk data providers and integrating third-party fraud solutions. 

• Strong knowledge of blacklist management, fraud monitoring, and fraud investigation processes. 

• Proficiency in SQL, Excel, Power BI, Python, SAS, or similar analytical tools. 

• Strong analytical and problem-solving skills with the ability to identify emerging fraud patterns. 

• Excellent stakeholder management, communication, and leadership skills. 

• Strong understanding of regulatory requirements relating to fraud prevention, AML, KYC, and consumer lending. 

• Ability to balance fraud prevention with customer experience and business growth. 

This Role Is Ideal For You If: 

• You enjoy building robust fraud prevention and credit policy frameworks. 

• You are passionate about protecting customers and the business from financial crime. 

• You enjoy analyzing fraud patterns and improving decision engines through data. 

• You thrive in fast-paced, technology-driven lending environments. 

• You enjoy collaborating across Risk, Compliance, Product, Engineering, and Operations teams. 

• You are motivated by solving complex fraud challenges using analytics and technology. 

You May Not Enjoy This Role If: 

• You prefer operational processing over strategic risk management. 

• You are uncomfortable making high-impact risk decisions. 

• You dislike working with fraud analytics, rule optimization, and large datasets. 

• You prefer environments with limited change and innovation. 

• You are not interested in regulatory compliance, fraud prevention, or credit governance. 

Benefits

What's In It For You 

• Opportunity to lead fraud prevention and credit policy for a fast-growing fintech organization. 

• Ownership of fraud strategy, KYC controls, and credit decisioning frameworks that directly influence portfolio quality and customer trust. 

• Exposure to advanced fraud technologies, digital identity solutions, and analytics-driven decisioning. 

• Opportunity to collaborate with Risk, Product, Engineering, Data Science, Compliance, and Executive Leadership teams. 

• Continuous learning, professional certification support, and career development opportunities. 

• Competitive compensation and the opportunity to solve complex, high-impact fraud and credit risk challenges.