PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

This role

As PayJoy continues to expand it’s product range in Indonesia and globally, we are deepening our investments in anti-fraud to deliver the best possible prices to our customers. We are seeking a dedicated Fraud Operations Representative to join our fraud operations in Indonesia. This position plays a critical role in ensuring the integrity and security of our phone finance product by detecting, investigating, and preventing fraudulent activities. The ideal candidate will be responsible for conducting reviews and investigations of partners, stores, clerks and customers to analyze fraud patterns, and implementing tactics to mitigate fraud risks, thereby protecting our customers and the company's financial assets.

A successful candidate for this role will possess strong analytical skills, attention to detail, and the ability to think critically under pressure. They should be proactive, innovative, and capable of working independently as well as part of a team. Excellent communication skills and the ability to collaborate with cross-functional teams are essential for effectively addressing and resolving fraud-related issues.

Responsibilities

Monitor and analyze transactions for potential fraudulent activity, ensuring compliance with the fraud prevention strategies and procedures.
Investigate and resolve reported fraud cases, ensuring timely and accurate documentation.
Develop and implement fraud prevention strategies and procedures.
Collaborate with the customer service and operations teams to address and mitigate fraud risks.
Conduct regular fraud risk assessments and provide recommendations for improvement.
Prepare and present detailed reports on fraud trends and prevention measures when requested.
Collaborate with internal stakeholders to address and mitigate fraud risks.
Assist in training and educating team members on fraud prevention and detection.

Requirements

Bachelor's degree in Finance, Business Administration, or a related field.
Professional certification in fraud examination is a plus.
Minimum of 2 years of experience in fraud prevention, preferably within the financial services industry.
Knowledge of regulatory requirements and compliance standards in the country.
Strong analytical and problem-solving skills.
Proficiency in using fraud detection software and tools.
Excellent communication and interpersonal skills.

Benefits

100% Company Funded : Private Health Insurance for employee and immediate family
20 days vacation
Phone finance, Headphone, home office equipment and wellness perks.
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

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