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For Companies At a Glance
- Tasks: Lead fraud prevention strategies and develop data-driven controls to protect customers.
- Company: Lumen Cards, a new consumer lending business with a focus on responsible lending.
- Benefits: Competitive salary, supportive culture, and opportunities for professional growth.
- Why this job: Join at an exciting launch phase and make a real impact in fraud management.
- Qualifications: Experience in fraud management, strong SQL skills, and a proactive mindset.
- Other info: Collaborative environment with opportunities to influence strategic decisions.
The predicted salary is between 36000 - 60000 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 Strategy and Analytics Manager employer: Lumen Cards
Contact Detail:
Lumen Cards Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Fraud Strategy and Analytics Manager
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, attend events, and connect with people on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching Lumen Cards and understanding their values. Be ready to discuss how your experience aligns with their mission of responsible lending and fraud prevention strategies.
✨Tip Number 3
Showcase your skills! Bring examples of your past work in fraud management and analytics to the table. Use data-driven results to demonstrate how you've made an impact in previous roles.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you're genuinely interested in being part of the Lumen team from the get-go.
We think you need these skills to ace Fraud Strategy and Analytics Manager
Some tips for your application 🫡
Show Your Passion for Fraud Prevention: When writing your application, let us see your enthusiasm for fraud management! Share specific examples of how you've tackled fraud challenges in the past and how you can bring that experience to Lumen. We love candidates who are genuinely excited about making a difference.
Tailor Your Application: Make sure to customise your CV and cover letter to highlight the skills and experiences that align with our job description. We want to see how your background in fraud analytics and consumer lending fits into our vision at Lumen. A little personal touch goes a long way!
Be Data-Driven: Since this role is all about data-driven strategies, don’t shy away from showcasing your analytical skills. Include any relevant metrics or outcomes from your previous roles that demonstrate your ability to optimise fraud detection and prevention. Numbers speak volumes!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it gives you a chance to explore more about Lumen and what we stand for!
How to prepare for a job interview at Lumen Cards
✨Know Your Fraud Strategies
Before the interview, brush up on the latest trends in fraud prevention and analytics. Be ready to discuss specific strategies you've implemented in the past and how they can be adapted to Lumen's new credit card launch.
✨Showcase Your Data Skills
Since the role requires strong SQL and data manipulation skills, prepare to demonstrate your proficiency. Bring examples of how you've used data to drive fraud prevention strategies and be ready to discuss your experience with fraud detection platforms.
✨Emphasise Collaboration
Lumen values teamwork, so highlight your experience working cross-functionally. Share examples of how you've collaborated with product, operations, or credit teams to enhance fraud strategies and improve customer experiences.
✨Be Proactive and Solutions-Oriented
During the interview, showcase your proactive mindset. Discuss how you've tackled emerging fraud threats in the past and your approach to developing agile processes that adapt to changing landscapes. This will resonate well with Lumen's 'do the right thing' ethos.
