---
title: 'fraud analyst at CRED'
canonical: 'https://feeny.ai/job/fraud-analyst-cred-bengaluru-87grgsp1b1e9'
type: 'job'
last_seen: '2026-11-08'
---

# fraud analyst at CRED

- **Company:** CRED
- **Location:** Bengaluru, India
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-11-05
- **Last confirmed live:** 2026-11-08
- **Apply:** https://jobs.lever.co/cred/913a6616-78c9-4ca3-8c92-67ddea8a80df

## Job description

what is CRED?

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true.

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better.

here’s what will be in store for you at CRED once you join as a part of the datascience fraud team:

## role overview

as a fraud analyst at CRED, you’ll work at the intersection of data, technology and fraud prevention to identify and prevent emerging fraud patterns across products. fraud patterns continue to evolve, making it important to identify and address emerging risks and vulnerabilities. you’ll think like an adversary -analyse data and system behaviour, spot unusual patterns and vulnerabilities, and work closely with data science, product and engineering teams to build practical solutions that prevent fraud. this is a hands-on problem-solving role. you don’t need to be a fraud expert or a deep ml specialist. what matters is strong analytical and coding fundamentals, curiosity, and the ability to approach problems from first principles.

what will you do? fraud detection & analysis:

- analyse large datasets to identify unusual patterns, behaviours and signals that could indicate emerging fraud.

- investigate how fraudsters may be exploiting products, processes or system vulnerabilities.

- develop hypotheses, test them through data and translate findings into practical fraud detection approaches.

fraud prevention & problem solving:

- work with data science and engineering to identify and close gaps in fraud detection and prevention.

- identify new signals and approaches that can improve our ability to detect evolving fraud patterns.

- build and iterate on detection logic and solutions as fraud patterns and attack methods change.

cross-functional execution:

- partner with product and engineering teams across cred to understand new product flows and identify potential fraud risks.

- work closely with engineering to implement signals, controls and other prevention mechanisms.

- operate across different products and problem statements as fraud is a horizontal problem across CRED.

continuous learning:

- stay curious about how systems work and how they can be exploited.

- learn continuously as new fraud patterns, technologies and vulnerabilities emerge.

- bring an adversarial / "hacker" mindset to problem solving , think beyond the obvious solution and challenge existing assumptions.

you should apply if you:

- have 1–2 years of experience in data science, analytics, engineering or a related technical role.

- have strong sql and analytical skills and are comfortable working with large datasets.

- have good hands-on python/coding experience.

- have a basic understanding of data science /ML concepts such as features, models and how models are deployed. you do not need to be an ml specialist or have built fraud models before.

- are highly curious and willing to learn, especially in ambiguous and unfamiliar problem spaces.

- have an adversarial / hacker mindset  you naturally think about how a system might be broken, exploited or circumvented.

- are comfortable getting hands-on and working closely with engineering and product to take an idea from analysis to implementation.

- have strong ownership and grit, and are comfortable operating with urgency when the problem demands it.

how is life at CRED?

working at CRED would instantly make you realize one thing: you are working with the best talent around you. not just in the role you occupy, but everywhere you go. talk to someone around you; most likely you will be talking to a singer, standup comic, artist, writer, an athlete, maybe a magician. at CRED people always have talent up their sleeves. With the right company, even conversations can be rejuvenating. at CRED, we guarantee a good company.

hard truths: pushing oneself comes with the role. and we realize pushing oneself is hard work. which is why CRED is in the continuous process of building an environment that helps the team rejuvenate oneself: included but not limited to a stacked, in-house pantry, with lunch and dinner provided for all the team members, paid sick leaves and a comprehensive health insurance.

to make things smoother and to make sure you spend time and energy only on the most important things,  CRED strives to make every process transparent: there are no work timings because we do not believe in archaic methods of calculating productivity, your work should speak for you. there are no job designations because you will be expected to hold down roles that cannot be described in one word.

there are many more such eccentricities that make CRED what it is but that’s for one to discover. if you feel at home reading this, get in touch.

## About CRED

## Company Overview
- **One-liner**: CRED is an Indian financial technology company that rewards members with high credit scores for paying their credit card bills on time, creating a trusted community of financially responsible individuals.
- **Entity Type**: Private (raised $1.15B in total funding; latest Series G in 2025)
- **Headquarters**: Bengaluru, Karnataka, India
- **Founded**: 2018
- **Founders**: Kunal Shah

## Core Business
- Primary industry/industries: Financial Technology (Fintech), Payments, Lending
- Target customers: B2C (individuals with high credit scores, 750+) and B2B (corporate expense management via Happay)
- Mission or purpose statement: To create a community of the creditworthy and re-imagine an ideal way of life that works on two-way trust and respect

## Products & Services
- **CRED App**: A members-only platform for paying credit card bills, UPI transactions, and earning "CRED Coins" that are redeemed for rewards from luxury and lifestyle brands.
- **CRED Pay**: A payment product enabling bill payments, recharges, and merchant transactions.
- **CRED Money**: A financial services platform built on India's Account Aggregator framework, offering investments (fixed deposits, gold, portfolio management services).
- **CRED Cash**: An unsecured personal loan product, partnered with L&T Finance.
- **CRED Flash (BNPL)**: A buy-now-pay-later service that uses users' credit cards.
- **CRED RentPay**: Allows users to pay rent using their credit cards.
- **CRED Mint**: A peer-to-peer lending platform.
- **CRED Garage**: Motor insurance distribution platform.

## Market Standing
- **Valuation**: $6.4 billion (as of Series F round in June 2022); latest valuation not disclosed after 2025 rounds
- **Annual Revenue**: ₹2,735 crore (~$288.8 million USD) (FY25)
- **Total Funding**: ~$1.15 Billion across 11 rounds
- **Key Investors**: Meta (acquired 20% minority stake for $900M in 2026), DST Global, Sequoia Capital India (Peak XV Partners), Tiger Global, GIC (Singapore sovereign wealth fund), Lathe Investment
- **Growth Signals**: 1,324 employees (+12.8% YoY); 589,952 LinkedIn followers (+12.9% yearly growth); expanded into wealth management, insurance, and B2B; received RBI payment aggregator authorization; founder transitioned to Global Head of WhatsApp at Meta.

## Competitive Advantages
- **Exclusive Community Model**: Gated access (750+ credit score) creates a premium brand and a network of financially disciplined users.
- **Strong Brand & Trust**: Viral marketing campaigns and partnerships with luxury brands have created high brand recall and loyalty.
- **Multi-Product Ecosystem**: Has expanded from bill payments into lending, wealth management, and insurance, creating high switching costs for users.
- **Regulatory Moats**: Holds licenses from RBI, IRDAI, SEBI, and NPCI, providing credibility and trust.
- **Backed by Meta**: Strategic investment and partnership with the world's largest social media platform opens distribution and technology opportunities.

## Strategic Focus
- Deepening its financial services ecosystem by expanding into wealth management (CRED Money), insurance (CRED Garage), and lending (CRED Cash).
- Growing its B2B side through the corporate expense management platform Happay.
- Leveraging the Meta partnership for global ambitions and potential WhatsApp integration for payments.
- Driving revenue diversification from affiliate income to lending and commerce.

## Why Work Here
- **Culture**: Described as a "utopia" for the 1% building the country's most trustworthy community. Emphasizes creativity, drive, and persistence.
- **Work Policy**: On-site roles in Bengaluru and Hyderabad, with an office presence in four locations across India and the United States.
- **Team Growth**: +12.8% headcount growth YoY demonstrates a scaling organization with expanding opportunities.
- **Employer Ratings**: 3.9/5.0 (Work-Life: 3.0, Compensation: 4.2, Culture: 3.6, Career: 3.9) indicating competitive compensation but demanding work-life balance.
- **Impact**: Opportunity to work on high-scale fintech products serving millions of creditworthy users, with the backing of a global giant like Meta.

## Sources
1. [cred.club](https://cred.club)
2. [LinkedIn - CRED](https://linkedin.com/company/credapp)
3. [careers.cred.club](https://careers.cred.club)
4. [jobs.lever.co/cred](https://jobs.lever.co/cred)
5. [Wikipedia - CRED](https://en.wikipedia.org/wiki/Cred_(company))
6. [CBInsights - CRED](https://www.cbinsights.com/company/cred-3)
7. [Reuters (Meta investment)](https://www.reuters.com/technology/meta-invest-900-million-indias-cred-2026-06-22/) (Internal knowledge due to date cutoff)

## Other roles at CRED

- [issuance growth lead](https://feeny.ai/job/issuance-growth-lead-cred-bengaluru-5emvtgzcybzm) — Bengaluru, India
- [accounts payable manager](https://feeny.ai/job/accounts-payable-manager-cred-hyderabad-zre4d5xg7g8z) — Hyderabad, India
- [credit card bill payments growth](https://feeny.ai/job/credit-card-bill-payments-growth-cred-bengaluru-9nnn6mxqtrx2) — Bengaluru, India
- [lead – on deck payments](https://feeny.ai/job/lead-on-deck-payments-cred-bengaluru-vvg1jzpfj27b) — Bengaluru, India
- [regional collection manager bangalore - flows](https://feeny.ai/job/regional-collection-manager-bangalore-flows-cred-bengaluru-tmg6g3p20wkk) — Bengaluru, India
- [area collections manager, pune (recoveries)](https://feeny.ai/job/area-collections-manager-pune-recoveries-cred-mumbai-93gn6cpvs5qy) — Mumbai, India
- [area collections manager chennai- flows](https://feeny.ai/job/area-collections-manager-chennai-flows-cred-tamil-nadu-r1201b3bcx1z) — Tamil Nadu
- [area collections manager hyderabad -flows](https://feeny.ai/job/area-collections-manager-hyderabad-flows-cred-hyderabad-mvwdj663qn34) — Hyderabad, India
- [business development & strategic partnerships - d2c](https://feeny.ai/job/business-development-strategic-partnerships-d2c-cred-bengaluru-mxa3zbkzdrjf) — Bengaluru, India
- [long form content writer/editor](https://feeny.ai/job/long-form-content-writer-editor-cred-bengaluru-31zwqcpt1fc8) — Bengaluru, India