Associate Director, Trust & Safety Analytics

About PhonePe Limited:

Headquartered in India, its flagship product, the PhonePe digital payments app, was launched in Aug 2016. As of April 2025, PhonePe has over 60 Crore (600 Million) registered users and a digital payments acceptance network spread across over 4 Crore (40+ million) merchants. PhonePe also processes over 33 Crore (330+ Million) transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore. 

PhonePe’s portfolio of businesses includes the distribution of financial products (Insurance, Lending, and Wealth) as well as new consumer tech businesses (Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem) in India, which are aligned with the company’s vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services.

Culture:

At PhonePe, we go the extra mile to make sure you can bring your best self to work, Everyday!. And that starts with creating the right environment for you. We empower people and trust them to do the right  thing. Here, you own your work from start to finish, right from day one. PhonePe-rs solve complex problems and execute quickly; often building frameworks from scratch. If you’re excited by the idea of building platforms that touch millions, ideating with some of  the best minds in the country and executing on your dreams with purpose and speed, join us!

About the Team: -

The PhonePe T&S Decision Sciences team is a part of the Trust & Safety team which is a high impact team which makes extensive use of data, statistical and quantitative analysis, rules-based methods, and explanatory and predictive modeling to identify and mitigate the fraud, risk and abuse patterns visible on PhonePe platform. Our work increasingly employs specialized competencies, such as advanced analytics, data visualization, application development, and geographical trend analysis.

 As a key member of the PhonePe T&S Decision Sciences team, you will spearhead significant   data driven projects focused on safeguarding the platform for merchants and detecting abusive behaviors. If you're passionate about developing processes and digital tools to enhance the understanding of financial transactions and identify impactful trends affecting millions of customers and merchants, and if you’re eager to collaborate with top professionals to turn your vision into reality swiftly and purposefully, we invite you to join us!

Roles & Responsibilities:

1. Own the fraud, risk and abuse for the entire platform across all BU and fraud MOs
2. Guide and mentor the team to develop strategies to detect, action and resolve end to end risk across the platform and stakeholders. 
3. Align senior leadership across the platform with T&S goals and objectives.
4. Supervise, lead and align teams to meet overall T&S goals.
5. Work closely with the Engineering, Business, Operations, Product, Data Science teams to build capabilities that help with prediction, early detection, quick resolution and governance solutions. 
6. Manage a diverse set of requirements, assess their importance, and prioritize them based on business objectives and available resources.
7. Evaluate trade-offs involved with every decision and articulate with supporting  data to enable decision making for senior leaders.
8. Establish processes and frameworks team efficiency and productivity.
9. Analyze data to detect fraud patterns and conduct a root cause analysis and execute short term and long term resolutions for the team.
10. Ability to understand and follow industry best practices for Fraud Prevention. Leverage information from regulatory changes, new regulations and internal policy changes to better identify new key risk areas.

Education & Preferred Qualifications:

Requirements include, but are not limited to:

1. Bachelor’s in engineering or Master's degree in Management, Mathematics, Statistics or related quantitative discipline
2. 10+ years of experience working closely with data and data derived decision making, communicating and contextualizing complexity to business leaders to enable the decision making. 
3. Strong quantitative abilities, distinctive problem-solving and excellent analytics skills
4. Strong organizational, communication, presentation and project management skills
5. Ability to work independently and to liaise with other departments and coordinate with various  business stakeholders (internal / external).
6. Candidates should have demonstrated experience to work with Fraud and Risk Functions, technology and analytics
7. Experience  in developing and implementing successful fraud prevention and detection strategies will be a plus

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

• Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance
• Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System
• Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program
• Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy
• Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment 
• Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy

Our inclusive culture promotes individual expression, creativity, innovation, and achievement and in turn helps us better understand and serve our customers. We see ourselves as a place for intellectual curiosity,  ideas and debates, where diverse perspectives lead to deeper understanding and better quality results. PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally; regardless of  gender, sexual preference, religion, race, color or disability. If you have a disability or special need that requires assistance or reasonable accommodation, during the application and hiring process, including support for the interview or onboarding process, please fill out this form.

Read more about PhonePe on our blog.

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