Manager- UPI Fraud Risk & Compliance

Job description Manager UPI Fraud Risk & Compliance Company : Poptech Growth Pvt Ltd Location: Bengaluru Experience: 3–5 Years Employment Type: Full-time | Work from Office ABOUT THE ROLE We're POP, a new-age fintech company that's making payments fun, rewarding, and totally worth it! With POP UPI, you can pay anyone, anywhere and earn POPcoins every time you do. Those POPcoins aren't just points, they're real rewards you can use to shop, save, and score deals from over 500+ awesome brands. Founded in Bengaluru in 2023, we're backed by Razorpay and partnered with YES Bank to bring India's most rewarding payment experience. At POP, we believe every payment should give something back — so we're on a mission to make spending smarter, shopping more exciting, and rewards a part of everyone's daily life. KEY RESPONSIBILITIES 1. Transaction Monitoring & Fraud Intelligence Partner with Technology and Analytics teams to design, build, and iterate on a UPI transaction monitoring framework — covering rule engines, ML signals, and alert workflows. Define fraud detection KPIs and thresholds; own the feedback loop from case outcomes back into monitoring models. Conduct pattern analysis on UPI transaction data to proactively surface emerging fraud typologies and recommend preventive controls. Drive root-cause analysis for fraud spikes and translate findings into actionable playbooks for operations teams. 2. POP Chargeback & Merchant Fraud Case Management Own end-to-end management and timely resolution of POP Chargeback cases within mandated TATs. Manage Merchant Fraud cases — from initial triage and evidence gathering through dispute resolution and recovery. Maintain accurate case records, MIS, and resolution trackers; report regularly to leadership on case health and outcomes. Identify patterns across chargeback and merchant fraud cases to inform proactive merchant risk policies. 3. Cybercell Complaint Resolution (POP) Act as the primary liaison for cybercell and law enforcement complaints relating to POP transactions. Coordinate internally across Legal, Operations, and Product to compile and submit timely, accurate responses to cybercell requests. Maintain a complaint log and SLA tracker; ensure zero-miss on statutory deadlines. Build SOPs for cybercell complaint handling and train junior team members on the process. 4. Compliance & Audit Management Own compliance for UPI fraud-related mandates from NPCI, acquiring/issuing banks, and other relevant bodies. Prepare, coordinate, and manage responses for internal and external audits — including documentation, evidence packs, and corrective action plans. Monitor regulatory developments (NPCI circulars, RBI guidelines) and ensure timely adoption of policy changes. Maintain a compliance calendar and proactively flag upcoming audit obligations to senior leadership. WHO YOU ARE 3–5 years of hands-on experience in UPI/payments fraud risk, chargeback operations, or payments compliance at a fintech, bank, or NBFC. Strong working knowledge of UPI ecosystem mechanics, NPCI dispute frameworks, and chargeback processes. Experience interacting with cybercell / law enforcement or managing regulatory audit cycles is a strong advantage. Analytically sharp — comfortable interpreting transaction data, writing SQL queries or working with BI dashboards to surface insights. Excellent written communication skills; able to draft clear, concise responses for regulatory bodies and senior stakeholders. Process-oriented and meticulous — you thrive on documentation, SLAs, and accountability. Collaborative and cross-functional — you are comfortable partnering with Tech and Analytics without losing sight of operational outcomes. Role: Security / Fraud - Other Industry Type: FinTech / Payments Department: Risk Management & Compliance Employment Type: Full Time, Permanent Role Category: Security / Fraud Education UG: Any Graduate Key Skills Skills highlighted with ‘‘ are preferred keyskills Risk Risk AnalyticsCredit RiskCredit Risk Modelling