Head of Anti-Fraud

At NOVACARD, we’re redefining how people use credit.
We are the first interest-free and no-annual-fee credit card in Mexico, designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit, only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals.

About the Role:

We are looking for an experienced Head of Anti-Fraud to build, own, and scale our end-to-end fraud prevention strategy across onboarding, credit origination, and card transactions. In this role, you will play a critical part in protecting the business from fraud losses while ensuring seamless customer experience and sustainable growth.

You will work at the intersection of risk, data, product, and operations, leading fraud analytics and operations teams, implementing advanced detection frameworks, and partnering closely with Product, Engineering, Compliance, and external vendors. This is a high-impact role with direct visibility to senior management and real ownership over fraud outcomes in a fast-growing fintech environment.

Responsibilities:

• Own and execute the end-to-end anti-fraud strategy across customer onboarding, credit origination, and card transactions.

• Design, implement, and continuously optimize fraud detection frameworks (rules, scores, ML models) balancing fraud loss, approval rates, and customer experience.

• Lead real-time transaction monitoring, investigations, chargeback mitigation, and dispute support processes.

• Define and track fraud KPIs (fraud rate, losses, false positives, chargebacks) and report insights to senior management.

• Manage and develop the anti-fraud operations and analytics teams, including SLAs, escalation, and quality control.

• Partner with Product, Engineering, Risk, Compliance, and Ops to embed fraud controls into system design and customer journeys.

• Oversee third-party fraud vendors (IDV, device fingerprinting, consortium data) and drive ROI-based performance improvements.

• Ensure compliance with Mexican regulatory, card-network, and internal risk requirements.

• Strong understanding of fintech, digital payments, credit products, and card-based financial services.

• Experience with anti-fraud tools and technologies (rule engines, machine learning systems, transaction monitoring platforms).

• Proven experience of Antifraud strategies and solutions implementation in Retail banking or Fintech companies, proven experience in credit origination risk modeling and fraud prevention, including review of application data and identity validation.

• Ability to define and enforce fraud risk thresholds, scoring models, and automated decision logic for account/credit issuance.

• Strong analytical skills — ability to interpret fraud KPIs, patterns, and loss metrics to improve controls.

• Comfortable using SQL, Python, or analytics tools to build dashboards and uncover fraud trends.

• Experience integrating data from third-party fraud intelligence providers and internal systems.

• Skilled at driving cross-functional collaboration with Product, Engineering, Compliance, Operations, and Customer Support.

• Bachelor’s or Master’s degree in any STEM (science, technolohy, engineering, math) or Economic disciplines

What We Offer:

• Fully remote work format.

• Official employment under the Russian Labor Code (for residents of Russia); contractor collaboration available for candidates from other countries.

• Opportunity to work in an international team on a new digital product for the Mexican market.

• A data-driven environment where your contributions have a real impact.