Job Description
Job Title: Senior Product Manager – Fraud (AI-First)
Company: SymphonyAI Financial Services
Location: Bangalore, India (Hybrid)
Overview
SymphonyAI Financial Services is seeking a Senior Product Manager (AI First) to define and build a market-leading fraud platform used by banks, insurers, payment providers, and gaming companies to detect, prevent, and manage fraud and financial crime at scale.
This role is for a hands-on, deeply technical, domain-fluent product leader who understands that modern fraud is no longer a rules problem — it is a real-time decisioning, orchestration, and learning problem spanning detection, prevention, investigation, customer experience, and regulatory defensibility.
You will own the end-to-end fraud product strategy, from real-time risk assessment and adaptive decisioning through investigation, recovery, and continuous learning. You will work at the intersection of AI, real-time systems, financial crime, and customer experience, and help define how fraud decisions are made across industries.
This is not a maintenance role.
This is a category-shaping role.
What You Will Own
You will be accountable for building a fraud product that:
- Outperforms incumbents on accuracy, speed, and explainability
- Scales across multiple verticals with different fraud economics
- Balances loss prevention, customer friction, operational cost, and regulatory expectations
- Evolves continuously as fraud tactics change
Key Responsibilities
Product Vision & Strategy (Category Leadership)
- Define and continuously refine the long-term product vision and multi-year roadmap for SymphonyAI’s fraud platform.
- Articulate a clear AI-first and Agentic AI strategy for fraud, spanning:
- Real-time scoring and decisioning
- Adaptive controls and step-up actions
- Alert generation, suppression, and prioritization
- Automated and assisted investigations
- Recovery, reimbursement, and learning loops
- Position the fraud product as a platform, not a point solution — extensible across channels, geographies, and industries.
- Translate emerging fraud typologies, regulatory changes, and customer needs into differentiated product capabilities.
- Define how fraud integrates with the broader financial crime and risk ecosystem (AML, KYC/CDD, sanctions, investigations, customer risk, entity resolution).
Domain & Customer Leadership (Multi-Vertical Fraud Expertise)
- Act as a trusted domain expert for customers across:
- Banking & Payments: cards, wires, ACH, RTP, instant payments, digital banking, account takeover, scams.
- Insurance: claims fraud, application fraud, policy abuse, first-party fraud.
- Gaming & Digital Platforms: bonus abuse, multi-accounting, collusion, bot-driven fraud, identity abuse.
- Deeply understand and shape fraud operating models, including:
- Real-time vs post-event decisioning
- Alert triage and prioritization
- Analyst workflows and investigation quality
- Customer communication and resolution
- Chargebacks, claims, recovery, and reimbursement
- QA, audit, governance, and regulatory oversight
- Engage directly with fraud leaders, operations heads, risk executives, and product teams at Tier 1 and Tier 2 institutions to validate strategy and execution.
- Maintain strong awareness of global regulatory and network expectations (e.g., Reg E, PSD2/PSR, APP reimbursement regimes, card network rules, consumer protection and explainability requirements).
AI & Agentic AI Productization (Best-in-Class Execution)
- Partner with AI/ML and data science teams to deliver state-of-the-art fraud capabilities, including:
- Real-time and near-real-time risk scoring
- Behavioral, device, identity, and network-based detection
- Alert clustering, suppression, and dynamic prioritization
- Agent-driven evidence gathering across internal and external data sources
- AI copilots for fraud analysts (recommended actions, summaries, decision rationales)
- Define and operationalize Agentic AI patterns for fraud, such as:
- Autonomous resolution of low-risk events
- Adaptive step-up authentication and control selection
- Proactive scam detection and customer intervention
- Continuous tuning driven by outcomes, feedback, and emerging threats
- Own the balance between innovation, explainability, human oversight, and regulatory defensibility.
- Ensure all AI-driven decisions are transparent, auditable, and production-safe.
Platform, Architecture & Extensibility
- Collaborate with UX, platform and engineering teams to ensure the fraud product is built on:
- Real-time decision engines and streaming architectures
- Configurable workflows and decision orchestration
- Rich data models ontology and entity resolution
- APIs and integration points for partners and customers
- Enable customers to configure, extend, and evolve fraud strategies without vendor dependency.
- Support complex enterprise needs: high throughput, low latency, multi-tenant SaaS, data residency, permissions, and global deployments.
Product Execution & Delivery
- Translate strategy into clear, prioritized roadmaps, epics, and user stories with measurable outcomes.
- Lead discovery, backlog refinement, sprint planning, and release execution with engineering, UX, and data science.
- Drive the full product lifecycle — from concept to scaled adoption.
- Partner with UX to deliver best-in-class analyst and operator experiences, including:
- Real-time dashboards and queues
- Alert and case views
- Investigation timelines and evidence workspaces
- Decisioning, overrides, and controls
- Management reporting and governance tooling
Go-To-Market & Commercial Impact
- Partner with Sales, Marketing, and Customer Success on strategic deals, RFPs, workshops, and demos.
- Own product packaging, pricing input, ROI narratives, and competitive differentiation.
- Support Marketing with clear positioning and thought leadership on fraud, scams, and AI-driven prevention.
- Define and track success metrics, including:
- Fraud loss reduction
- False positive and customer friction reduction
- Analyst productivity
- Recovery and reimbursement performance
- AI adoption and measurable impact
Ideal Candidate Profile
Experience
- 7+ years of product management experience in fraud, risk, payments, fintech, regtech, or financial services.
- Deep hands-on experience with fraud detection, prevention, and investigation in at least one major vertical; exposure to multiple is a strong plus.
- Proven experience building AI-powered, real-time, enterprise-scale products.
- Track record of driving platform products, not just features, from concept to adoption.
- Experience working with large banks, insurers, gaming companies, or global platforms.
Skills & Competencies
AI-First & Systems Thinking
- Ability to reason from first principles about decisioning, orchestration, and learning systems.
- Comfort translating ML, LLMs, and decision engines into real-world product behavior.
Fraud & Risk Depth
- Strong understanding of fraud economics, trade-offs, and customer impact.
- Fluency in explainability, governance, and operational controls.
Product Leadership
- Proven ability to set direction, make hard trade-offs, and lead cross-functional teams.
- Data-driven, outcome-oriented decision maker.
User & Operator Empathy
- Passion for building products that reduce friction while improving outcomes.
- Ability to simplify complex workflows without oversimplifying risk.
Communication & Influence
- Clear, credible communicator with executives, customers, and technical teams.
- Comfortable representing the product externally with customers and partners.
Nice to Have
- Experience with real-time decisioning, streaming systems, or payments infrastructure.
- Exposure to graph/network analytics, identity, device intelligence, or behavioral biometrics.
- Familiarity with Agentic AI frameworks or autonomous workflows.
- Background in data platforms or distributed systems.
What Success Looks Like (First 12–18 Months)
- A clear, bold fraud product roadmap aligned with SymphonyAI’s platform strategy.
- Delivery of step-change improvements in fraud accuracy, speed, and explainability.
- Strong adoption by flagship customers across multiple verticals.
- Demonstrated, quantified customer ROI and competitive wins.
- Recognition of SymphonyAI as a serious, modern fraud platform, not just a vendor.
Why SymphonyAI
- Build the next generation of fraud and financial crime decisioning platforms.
- Work on mission-critical, real-time systems that directly impact customers and institutions.
- Shape a category alongside senior leaders in product, AI, and financial crime.