Job Description

About Jaja

Our Mission:

Empowering our customers to buy, borrow, and build - driven by tech, fuelled by data, and built for the future.

Our Company Values

: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple



Jaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making.



We are on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration. Or as we say it, Make Simple.



We will delight our customers - making the customer experience simpler, more enjoyable, more intelligent - treating customers fairly and giving them more control of their money.

Why join us?

This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever. We have a collaborative team structure fuelled by an exciting mix of people welcoming both experienced people from the industry with both feet on the ground and tech-savvy dreamers who pave way for the new stuff. Come as you are and be yourself!

About The Role

The Senior Fraud & Financial Crime Strategy Lead is responsible for leading a small team of highly skilled Strategy SMEs to ensure the business and our customers are protected from onboarding through to their entire customer journey. The successful candidate will have experience in managing a team and setting priorities in a fast-paced

environment and ensuring delivery and that senior management have visibility of all relevant

information.

What's

the opportunity?

You will work in a dynamic fast paced environment for a business that is shaking up the Consumer Finance industry. Working with a passionate set of colleagues who excel at delivery you will have a varied and interesting portfolio of activity that is not constrained by the status quo.

Key Accountabilities:

Develop and execute the Fraud and financial crime strategy Manage the end to end fraud and fin crime lifecycle from prevention and detection to investigation, reporting and recovery. Implement and optimise fraud tools, analytics, transaction monitoring and machine learning models. Lead and manage Fraud & Financial Crime Strategy activities Liaise with key stakeholders such as Operations, Compliance, Tech & Data, MLRO to ensure internal and regulatory requirements are met whilst seeing projects through from initiation to completion Collaborate with Product, Commercial and various other teams to ensure fraud & financial crime prevention measures are embedded in new and existing products and services Build and maintain strong relationships with external stakeholders and industry bodies, attend relevant events Provide regular reporting on fraud & financial crime KPIs, trends, and challenges to senior management Ensure appropriate MI is in place to facilitate right level of visibility of the area to the business Work alongside Strategy team to implement new systems, tools and strategies and maintain existing strategy in line with business risk appetite

About You

We're

seeking a dynamic and experienced leader who can drive our fraud prevention and detection efforts forward. You'll be someone who thrives off solving complex problems with simple solutions. You get how to use data and automation to create scalable solutions that get things right for customers, and effectively manage fraud and financial crime risks and losses.





The successful candidate must have the right to work in the UK and meet the following criteria:

Required

skills and Experience

Fraud expert status - 5+ years
experience in fraud prevention and financial crime within fintech, payments, or banking, with a major in credit cards and consumer lending
Proven ability to lead high-performing teams across fraud strategy and operational functions Strong working knowledge of fraud typologies (e.g. scam fraud, social engineering, ID fraud, money mules) and key regulations. Keen interest in fraud trends and active within fraud industry to keep on top of trends Confident in working with fraud detection systems, transaction monitoring tools, and behavioural analytics. Experience implementing and maintaining strategies and systems (Cifas, 3DS, Behavioural Biometrics, dedicated risk engines etc.) Hands-on experience with fraud data analysis, alerting, and automation Excellent communication, stakeholder management, and decision-making skills. Has the ability to communicate complex matters effectively with senior leaders / investors right through to fraud agents Strong analytical mindset, comfortable working with data and directing link analysis Highly resilient, with can do nature. Some who thrives on overcoming obstacles and making things happen no matter how tough the task. Leaving things way better than how you found them is where you're at.

Desirable skills and experience

Experience of designing, implementing and optimising strategy, policies and processes within in a fintech environment Experience of using gen AI / Agentic AI to automate and enhance fraud monitoring, customer journeys and fraud workflows AML or fraud certification (ICA, ACAMS, CFE) Analytical expertise including SQL, Tableau and graph databases or link analysis tools (Neo4j, TigerGraph, AWS Neptune)

What's

in it for you?

The chance to make a real impact in a growing start-up on a mission to change the face of the consumer finance industry forever. Competitive salary Remote Hybrid working model Bonus scheme Annual Salary Review 4x life insurance cover Optional private health care Employee assistance program 25 day holiday allowance plus UK bank holiday (with additional leave for additional service years up to 30 days maximum) * Pension Contributions