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
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