Credit Risk Jobs in Bhubaneshwar

Job Title: Fraud and Risk Analyst Location: Bhubaneswar, Odisha Experience: 1 3 Years Industry: Fintech, Banking & Financial Services Department: Risk & Compliance Employment Type: Full-Time About iServeU iServeU is a leading banking infrastructure provider across the APAC region, enabling digital transformation for financial institutions through embedded fintech solutions. As a certified partner of NPCI and VISA, iServeU offers a cloud-native, microservices-enabled platform with over 5000 configurable solutions tailored for banks, NBFCs, and fintech organizations. We process 2500+ transactions per second using distributed architecture powered by Kubernetes (K8s). Our platform integrates 1200+ microservices, transforming how financial institutions deliver services. Serving over 20 banks and 250+ enterprises in 5 countries, we manage full transaction lifecycles: deposits, withdrawals, transfers, payments, and lending. Our team of 500+ is primarily tech-focused (80%) across Bhubaneswar, Bangalore, and Delhi. Backed by $8 million in funding, we are rapidly scaling innovation and expanding our fintech footprint. Job Summary We are looking for a proactive and analytical Fraud and Risk Analyst to join our team in Bhubaneswar. The ideal candidate will be responsible for real-time transaction monitoring, fraud detection, and ensuring regulatory compliance in line with KYC, chargeback, and AML requirements. This role involves close coordination with banks, merchants, law enforcement, and internal stakeholders to mitigate financial risks and ensure secure customer experiences. Key Responsibilities Monitor real-time transaction queues to detect and investigate high-risk or suspicious activities. Analyze customer transactions for signs of fraud, account takeovers, identity theft, and policy violations. Cancel unauthorized transactions and reduce potential financial losses through timely interventions. Investigate disputes, chargebacks, and coordinate recovery with partner banks, merchants, and wallets. Maintain and update fraud prevention rules based on trend analysis and emerging risks. Liaise with Cyber Crime departments by handling and closing complaints via Cyber Police Portals. Create and maintain fraud analysis models to enhance detection efficiency and reduce false positives. Generate Suspicious Activity Reports (SARs) and present risk summaries to management. Perform KYC and compliance checks, ensuring adherence to AML and identity verification protocols. Investigate and respond to customer and merchant chargeback claims; monitor chargeback ratios and recommend improvements. Proactively identify opportunities to enhance fraud prevention systems, processes, and tools. Required Skills & Qualifications Bachelor s degree in Finance, Commerce, Business Administration, or related field. Minimum 6 months of experience in transaction monitoring or fraud detection. In-depth understanding of the chargeback process (Visa, Mastercard, etc.) and regulatory guidelines. Familiarity with KYC/AML regulations, digital payments, and banking fraud mechanisms. Strong analytical thinking, problem-solving, and decision-making capabilities. Proficient in MS Excel and Advanced Excel functions (VLOOKUP, pivot tables, data comparison). Excellent communication and coordination skills for cross-functional and external stakeholder engagement. Nice to Have: Experience working in a fintech or digital payments ecosystem. Exposure to fraud prevention tools and cyber risk platforms. Basic knowledge of SQL or data querying is a plus. Employee Benefits Competitive Salary Packages Health Insurance for Employees Guest House & Fooding Facility Access to Sports Events & Cultural Activities Learning & Development Opportunities Comprehensive Product and Industry Training Well-equipped Cafeteria and Office Amenities Qualification : Bachelors degree in Finance, Commerce, Business Administration, or related field.

Job Position: Lead Cyber Security Auditor Job Locations: Bhubaneswar Experience: 4-6 Years Qualification: Bachelor's or Master's in IT/ Computer Science /Information Security or related field Compensation: Negotiable Job Type: Full Time COMPANY INTRODUCTION iServeU is a modern banking infrastructure provider in the APAC region, empowering financial enterprises with embedded fintech solutions for their customers. iServeU is one of the few certified partners with National Payment Corporation of India (NPCI), VISA for various products. iServeU also provides a cloud-native, micro services-enabled, distributed platform with over 5000 possible product configurations with a low code/no code interface to banks, NBFCs, Fintech, and other regulated entities. We process around 2500 transactions per second by leveraging distributed & auto scale technology like K8. Our core platform combines 1200+ micro services. Our customer list includes Fintech start-ups, top tier private banks to PSU bank. We operate in five countries and help customers constantly change the way financial institutions operate and innovate. Our solutions currently empower over 20 banks and 250+ enterprises across India and abroad. Our platform seamlessly manages the entire transaction lifecycle, including withdrawals, deposits, transfers, payments, and lending through various channels like digital, branch, agents. Our team of 500+ employees, with over 80% in technology roles, is spread across offices in Bhubaneswar, Bangalore, and Delhi. We have raised $8 million in funding to support our growth and innovation. Responsibilities Lead comprehensive security audits of complex digital environments including web, mobile, cloud, and network infrastructures. Assess and ensure compliance with multiple international standards and frameworks such as ISO/IEC 27001, PCI-DSS, CISSP best practices, and regulatory requirements. Perform advanced risk assessments, penetration testing, and vulnerability analyses; interpret results to provide actionable recommendations. Prepare detailed audit reports and present findings to senior management and stakeholders, guiding remediation strategies. Mentor and supervise junior and mid-level auditors, defining audit methodologies, frameworks, and ensuring quality and consistency across audits. Requirements Certifications: Mandatory: CISA and ISO/IEC 27001 Lead Auditor Preferred: CEH, CISSP, PCI-DSS knowledge Desired Skills: Deep expertise in auditing complex digital environments including web/mobile/cloud systems. Strong grip over OWASP, DevSecOps pipeline review, API security, and network security assessment. Client-facing experience with report presentation and regulatory audit preparedness. Ability to define audit methodology, frameworks, and mentor team. Qualification : Bachelor's or Master's in IT/ Computer Science /Information Security or related field

Job Title: Program Manager Presales Location: Bhubaneswar, Odisha, India Experience Required: 0 4 Years Job Type: Full-Time Compensation: Negotiable About iServeU iServeU is a leading banking infrastructure platform provider in the APAC region, enabling financial institutions, fintechs, and NBFCs to deliver seamless embedded fintech solutions. As a trusted partner of NPCI and VISA, iServeU offers a cloud-native, microservices-based, low-code/no-code platform with over 5,000 product configurations. 1200+ microservices power our core infrastructure. We process 2500+ transactions per second with scalable technologies like Kubernetes. Trusted by 20+ banks and 250+ enterprises across 5 countries. Offices in Bhubaneswar, Bangalore, and Delhi with a team of 500+ professionals. Backed by $8 million in funding, with 80% of the team in tech roles. Role Overview We re looking for a motivated and tech-savvy Program Manager Presales to join our Product & Sales Enablement team. This role is ideal for someone passionate about technology, business analysis, and enterprise customer engagement. You'll serve as a vital bridge between our sales, product, and engineering teams translating client requirements into tailored fintech solutions that meet complex business needs. Key Responsibilities Engage with prospective clients to identify business challenges, operational gaps, and product requirements. Conduct discovery workshops, gather requirements, and align customer needs with iServeU s solutions. Deliver customized product demonstrations, highlighting features, use cases, and the business value of our offerings. Draft and deliver technical proposals, RFP responses, and presentations tailored to client expectations. Act as the subject matter expert (SME) on iServeU s platform, products, APIs, and regulatory compliance. Partner with internal sales, product, and engineering teams to ensure proposed solutions are feasible and aligned with product roadmaps. Maintain up-to-date knowledge of industry trends, evolving technologies, and regulatory changes impacting the fintech ecosystem. Provide technical insights during sales pitches, help define pricing strategy, and support enterprise deal closures. Ensure a smooth handover from sales to implementation, capturing client goals and key requirements. Recommend product improvements based on client feedback and market observations. Bachelor's degree in Engineering, Computer Science, Business, or a related field. 0 4 years of experience in presales, business analysis, or solution consulting; fintech experience preferred. Strong understanding of banking, digital payments, or financial services ecosystems is a plus. Excellent verbal and written communication and presentation skills. Ability to simplify and communicate complex technical solutions to both business and technical stakeholders. Strong analytical, problem-solving, and consultative sales abilities. Proficiency in tools like MS PowerPoint, Excel, and CRM platforms (e.g., Salesforce, Zoho). Self-driven, detail-oriented, and capable of handling multiple projects and timelines. Perks & Benefits Competitive Salary with Performance-Based Incentives Health Insurance for Employees Flexible Working Hours Guest House & In-House Fooding Facilities Access to a Well-Facilitated Cafeteria Employee Sports Events & Cultural Activities Transparent Evaluation & Fast-Track Career Growth Equal Opportunity Workplace Training in Fintech Products, Technologies, and Market Trends Career Pathing and Continuous Learning Opportunities Qualification : Bachelor's degree in Engineering, Computer Science, Business, or a related field.

Product Manager Prepaid Card Solutions Locations: Bhubaneswar, Bangalore, Mumbai Experience: 2 to 5 Years About iServeU iServeU is a leading modern banking infrastructure provider across the APAC region, empowering financial institutions with embedded fintech solutions. As a certified partner of NPCI and VISA, iServeU delivers cloud-native, microservices-enabled platforms featuring over 5,000 product configurations through a low-code/no-code interface. We process 2,500+ transactions per second using distributed, auto-scaling technologies like Kubernetes (K8s). Our core platform includes 1200+ microservices powering banks, NBFCs, and fintech firms. Serving over 20 banks and 250+ enterprises across five countries, we enable digital transformation in payments, lending, deposits, and more. Our diverse team of 500+ employees operates from offices in Bhubaneswar, Bangalore, and Delhi, backed by $8 million in funding to accelerate innovation. Job Purpose We are looking for a proactive Product Manager to lead our Prepaid Card Solutions product line for banking and non-banking clients. This role requires deep understanding of prepaid card ecosystems, product lifecycle management, and fintech market trends. The ideal candidate will spearhead product innovation, ensure exceptional customer experience, and drive business growth. Key Responsibilities Lead end-to-end product management for prepaid card solutions, collaborating with engineering, design, compliance, marketing, and client teams. Analyze market data to identify growth opportunities and develop strategies for under-penetrated prepaid card programs. Own product requirements documents (PRD), product validation, and ongoing performance tracking. Innovate new prepaid offerings and features based on data insights and customer feedback. Provide expert guidance to clients on prepaid product best practices and use cases. Manage strategic projects from concept to delivery, ensuring successful implementation and measurable results. Oversee P&L for prepaid card products, driving revenue growth and meeting business targets. Conduct market research, competitive analysis, and customer acquisition strategies with a focus on digital channels. Work closely with banks and fintech partners to tailor prepaid card solutions to specific needs. Lead digital transformation initiatives and integration with partner platforms. Establish control systems, compliance frameworks, and stakeholder alignment throughout product development. Required Qualifications & Skills Bachelor s degree in Finance, Business, Economics, Computer Science, or related field; MBA preferred. Minimum 2 years of product management experience specifically in Prepaid Card solutions within the financial services industry. Proven track record designing and launching financial products for banks and fintech firms. Strong understanding of agile methodologies and experience working with cross-functional agile teams. Excellent analytical skills with ability to translate business needs into actionable product features. Knowledge of fintech regulatory compliance and payment industry standards. Ability to manage multiple projects in a fast-paced startup environment. Deep knowledge of payments, money transfer, and prepaid card ecosystem. Strong stakeholder management skills with ability to influence senior executives and diverse teams. Skilled in customer insight discovery, hypothesis testing, and rapid validation to create differentiated products. Process-oriented mindset with a focus on continuous improvement within existing frameworks. Work at the cutting edge of fintech innovation with a market-leading banking infrastructure platform. Collaborate with passionate and skilled professionals in a high-growth startup environment. Opportunity to impact financial services across India and APAC. Competitive salary package with growth potential and meaningful work. Qualification : Bachelors degree in Finance, Business, Economics, Computer Science, or related field; MBA preferred.

Introduction At IBM, work is more than a job it s a calling: To build. To design. To code. To consult. To think along with clients and sell. To make markets. To invent. To collaborate. Not just to do something better, but to attempt things you ve never thought possible. Are you ready to lead in this new era of technology and solve some of the world s most challenging problems? If so, lets talk. Your Role and Responsibilities As Spectrum Protect Administrator you are responsible to provide technical support with high degree of Customer satisfaction by meeting Service Level Agreements (SLA) and process compliance. You will perform business impact analysis and risk assessments to reduce the likelihood of significant service outage or disasters. You will need to visit the domestic client s offices / data centers on a daily basis or on an as-needed basis as part of this role Role and Responsibilities Install and configure, migrate the Spectrum Protect Server Instances and Spectrum Protect Clients. Configure LAN Free and LAN based backups as per customer requirement. Spectrum Protect backup Software system administration for daily Backup Operation service. Configure the Tape Library paths and drive configuration on hosts. Monitor daily Spectrum Protect Schedule backups/Manual backup and analyze failed backups. Periodically audit Spectrum Protect Backup operation at both the DC/DR sites. Analyze backup policies and retention periodically. Periodically run the backed-up data restoration process based on customer s business needs. Daily/Weekly/Monthly/Yearly Backup Operation Report submit to Customer as part of Spectrum Protect system administration task Periodically run Spectrum Protect server and Client s environment health checkup and necessary tuning based on backup/restoration loads. Periodically Install Software Fix-pack/maintenance patch based on Problem/troubleshooting analysis from Spectrum Protect Software PMR Support team. Backup Performance Monitoring for All the Spectrum Protect clients installed and configured in various Application and database servers. Spectrum Protect Server s Database Monitoring and periodically housekeeping of Spectrum Protect server s database and logs. Tape Management of Spectrum Protect Clients backup and periodically Tape Library Audit from Spectrum Protect server Required Technical and Professional Expertise Install, configure, and migrate Spectrum Protect server instances and client software. Set up and configure LAN Free and LAN-based backup solutions according to customer requirements Administer Spectrum Protect backup software for daily backup operations. Configure tape library paths and drive settings on host systems. Monitor daily Spectrum Protect scheduled backups and manual backups, and analyze any failures Willingness to work in nights shifts or support 24 x 7 Coverage as per the Business needs Preferred Technical and Professional Expertise Strong analytical and troubleshooting skills. Excellent communication and documentation abilities. Detail-oriented with a proactive approach to problem-solving. Ability to work independently as well as part of a team