Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we’ve got big growth plans. Want to join us? The role. We are looking for a Fraud Manager that develops and implements strategies to prevent and detect fraud, collaborating with teams like Credit Risk and Engineering. They monitor fraud trends, lead a team of analysts, and coordinate with external partners to ensure effective case resolution. The role also includes reporting on fraud metrics to Zilch’s leadership and using data analytics to improve detection methods, safeguarding both the company and its customers. Day to day responsibilities. Fraud Prevention & Strategy: Help shape, develop execute Zilch’s fraud management framework and strategy. Monitor and be on top of fraud trends and emerging threats, collaborating with the Credit Risk as well as Product and Engineering teams to implement proactive measures to minimize fraud losses. Be aware of any new fraud trends in the market and their mitigation strategies. Develop standardised policies, procedures and controls related to fraud detection, prevention, and reporting. Assess and improve fraud workflows to ensure seamless handoffs between teas and optimised case resolution, seeking automation opportunities where feasible. Team & Stakeholder Management: Lead and manage the internal fraud team, including two Senior Fraud Analysts. Foster a strong team culture and collaborative environment to ensure the internal team and BPO work effectively together in line with set key performance expectations. Liaise with key internal stakeholders such as Compliance, Legal, and Service Operations teams to streamline fraud operations. Act as the key point of contact between the business and external fraud agencies and partners. Collaborate with Product, Engineering and Service Operations teams to ensure fraud prevention measures are considered and embedded into new initiatives, product enhancements and operational changes. BPO Management: Oversee the operational workload managed by the BPO, ensuring service levels and key performance indicators (KPIs) are met. Ensure proper coordination between the internal fraud team and the BPO to address any escalated cases and complex fraud issues. Conduct regular performance reviews with the BPO to assess the quality of work and fraud detection efficacy. Reporting & Analysis: Provide regular reporting on fraud performance metrics, trends, and incidents to senior leadership. Develop and maintain dashboards for real-time monitoring of fraud KPIs. Use high tech data analytics to identify gaps and opportunities and tweak / introduce fraud rules that are needed. Monitor customer feedback and behaviours in customer interactions to refine fraud detection and response methodology, improving case resolution times and reducing the impact of fraud on genuine and legitimate customers. Ensure the fraudulent accounts are reported to external agencies & consortiums accurately and timely. We’re looking for Strong track record in fraud management, including experience working with BPOs or outsourced teams. Proven leadership experience and team management skills. Analytical mindset with experience in data analysis, fraud model creation, reporting, and fraud detection technologies. Strong command of SQL and Python. Ability to work cross-functionally with internal and external stakeholders. A good understanding of KYC and AML regulatory requirements. Experience utilising fraud prevention tools and systems i.e. CIFAS, Onfido, Experian, GBG is essential. Certifications such as CFE or CAMS are strongly preferred. A degree in Mathematics, Statistics, Engineering, Computer Science, Finance or related fields is an advantage. Benefits. Compensation & Savings: Pension scheme. Death in Service scheme. Income Protection. Share Options Scheme. 5% back on in-app purchases. £200 for WFH Setup. Health & Wellbeing: Private Medical Insurance including; GP consultations (video, telephone or face-to-face). Prescribed medication. In-patient, day-patient and out-patient care. Mental health support. Optical, dental & audiological cover. Physiotherapy. Advanced cancer cover. Menopause support. Employee Assistance Programme including: Unlimited mental health sessions. 24/7 remote GP & physiotherapy. 24/7 helpline for emotional & practical support. Savings & discounts on everyday shopping. 1:1 personalised well-being consultations. Gym membership discounts. Family Friendly Policies: Enhanced maternity pay. Enhanced paternity pay. Enhanced adoption pay. Enhanced shared parental leave. Learning & Development: Professional Qualifications. Professional Memberships. Learning Suite for e-courses. Internal Training Programmes. FCA & Regulatory training. Workplace Perks: Hybrid Working. Casual dress code. Workplace socials. Healthy snacks.