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- Tasks: Lead fraud prevention strategies and develop robust controls to protect customers and the business.
- Company: Lumen Cards, a new consumer lending business with a focus on responsible lending.
- Benefits: Empowering work culture, competitive salary, and opportunities for professional growth.
- Why this job: Join us at an exciting launch phase and make a real impact in fraud management.
- Qualifications: Experience in fraud management, strong analytical skills, and proficiency in SQL.
- Other info: Collaborative environment with opportunities to influence strategic decisions.
The predicted salary is between 42000 - 84000 ÂŁ per year.
Lumen Cards is a new consumer lending business preparing to launch its first credit card to the UK consumer market in Q1 2026. Our management team brings over 20 years of experience each in consumer finance, and we operate from two locations: London Kings Cross, and Leicester. At Lumen, we approach consumer lending with a “do the right thing” mindset. Our goal is to provide credit that helps customers solve real-life problems. We’re committed to building a great place to work. We want every colleague to feel valued, empowered and impactful. We celebrate shared success, support one another through challenges and foster a culture where ideas are welcomed, and collaboration is second nature. When things go wrong, we don’t point fingers, but we pull together to find a way forward.
Role Overview
You will be joining Lumen at an exciting time, as we prepare to launch our first credit card. We are looking for a Fraud Manager to lead our fraud prevention strategies from day one. This is a key role where you will be the central point of expertise for all fraud-related matters, responsible for developing and managing both the new customer acquisition fraud strategies as well as the in-life transaction management strategies. You’ll design and implement agile, data-driven fraud strategies that protect both our customers and our business from financial crime. In a new lending business, fraudsters move quickly, and your role will be critical in ensuring our defences are proactive, responsive, and resilient. You’ll be responsible for developing robust fraud controls, responding to emerging threats, and collaborating across teams to embed fraud thinking into product, operations, and credit strategy. This is a unique opportunity to help build a responsible lending business from its earliest stages, influence strategic decisions, and make a meaningful impact.
Key Responsibilities
- Own and continuously optimise the acquisition fraud detection strategy, including rule set management.
- Monitor daily performance, responding swiftly to fraud attacks and behavioural anomalies to minimise losses and exposure to financial crime.
- Lead the management of the transaction authorisation system, balancing fraud prevention with a seamless customer experience.
- Implement agile processes and controls to adapt to the evolving fraud landscape.
Customer Management and In App Fraud Strategy
- Collaborate with internal operations and product teams to stay ahead of emerging fraud trends.
- Identify and implement enhancements to fraud tooling and strategy across the customer lifecycle.
Industry Collaboration
- Engage with third-party providers, industry bodies, and working groups to share insights and strengthen Lumen’s fraud defences.
Cross-Functional Support
- Support the broader credit team with analytics and strategy development.
- As part of a lean early-stage team, contribute to a wide range of credit and commercial initiatives beyond your core remit.
Skills & Experience
- Adept at translating fraud analytics into actionable strategy, with the ability to influence senior stakeholders and balance risk mitigation with customer experience.
- Proven experience in fraud management and fraud analytics, ideally within consumer lending or credit card environments.
- Strong proficiency in SQL and data manipulation, with the ability to work independently with large, complex datasets.
- Experience with fraud detection platforms such as FeatureSpace, ThreatMetrix, or similar tools.
- Familiarity with UK financial crime regulations, industry standards, and best practices in fraud prevention.
- Comfortable working in a fast-paced, agile environment and contributing to cross-functional initiatives beyond core fraud responsibilities.
Personal Attributes
- Commercially minded and analytically driven — focused on optimising fraud outcomes while maintaining a seamless customer journey.
- Proactive and resourceful, with a strong bias for action and a solutions-oriented mindset.
- Detail-focused and methodical, with a high sense of ownership and accountability.
- Collaborative and adaptable, able to work effectively across product, operations, credit, and tech teams.
- Curious and growth-oriented, always seeking to improve processes, learn from data, and stay ahead of emerging fraud trends.
Seniority level: Mid-Senior level
Employment type: Full-time
Job function: Finance
Fraud Manager(Credit Card) employer: Lumen Cards
Contact Detail:
Lumen Cards Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Fraud Manager(Credit Card)
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, attend events, and connect with potential colleagues on LinkedIn. The more people you know, the better your chances of landing that Fraud Manager role at Lumen.
✨Tip Number 2
Show off your skills! Prepare for interviews by brushing up on your fraud analytics knowledge and be ready to discuss how you've tackled fraud challenges in the past. We want to see how you can bring your expertise to our team.
✨Tip Number 3
Be proactive! Research Lumen Cards and come up with ideas on how you would enhance our fraud prevention strategies. This shows us you're not just interested in the job, but you're also invested in our mission.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets noticed. Plus, it gives you a chance to showcase your enthusiasm for joining a company that values collaboration and innovation.
We think you need these skills to ace Fraud Manager(Credit Card)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Fraud Manager. Highlight your experience in fraud management and analytics, especially in consumer lending or credit card environments. We want to see how your skills align with our mission at Lumen!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Share your passion for fraud prevention and how you can contribute to our 'do the right thing' mindset. Let us know why you're excited about joining Lumen and how you can make an impact from day one.
Showcase Your Analytical Skills: Since this role involves a lot of data manipulation, be sure to mention your proficiency in SQL and any experience with fraud detection platforms. We love seeing candidates who can translate complex data into actionable strategies!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any updates. Plus, it’s super easy!
How to prepare for a job interview at Lumen Cards
✨Know Your Fraud Landscape
Before the interview, dive deep into the current trends in fraud prevention, especially in consumer lending. Familiarise yourself with tools like FeatureSpace and ThreatMetrix, and be ready to discuss how you would apply these in a real-world scenario at Lumen.
✨Showcase Your Analytical Skills
Prepare to demonstrate your proficiency in SQL and data manipulation. Bring examples of how you've translated fraud analytics into actionable strategies in previous roles. This will show that you can balance risk mitigation with customer experience effectively.
✨Emphasise Collaboration
Lumen values teamwork, so be ready to share experiences where you've worked cross-functionally. Highlight how you've collaborated with product and operations teams to enhance fraud strategies, as this aligns with their culture of shared success.
✨Be Proactive and Solutions-Oriented
During the interview, convey your proactive mindset. Discuss specific instances where you've identified emerging threats and implemented agile processes to counteract them. This will resonate well with Lumen's commitment to being responsive and resilient in the face of fraud.