The Role
Leads accounting, finance operations, capital management, reporting automation, financial controls, regulatory compliance, audits, and funding activities across lending entities. Oversees transactions, reconciliations, disbursements, repayments, settlements, capital forecasting, lender partnerships, and finance transformation. Mentors finance teams and advises executive leadership on strategic decisions while ensuring compliance with PSAK and OJK requirements.
Summary Generated by Built In
About the Role
In this strategic leadership role, you will oversee end-to-end accounting functions, finance operations, and capital management across our multifinance and P2P lending entities. You will drive finance transformation by partnering with technical teams to automate complex reporting processes, establish robust financial controls, and ensure strict compliance with PSAK and OJK regulations. Ultimately, you will mentor a high-performing team and collaborate with executive leadership to optimize funding strategies, supporting the scalable growth of GoTo Financial Lending products.
In this strategic leadership role, you will oversee end-to-end accounting functions, finance operations, and capital management across our multifinance and P2P lending entities. You will drive finance transformation by partnering with technical teams to automate complex reporting processes, establish robust financial controls, and ensure strict compliance with PSAK and OJK regulations. Ultimately, you will mentor a high-performing team and collaborate with executive leadership to optimize funding strategies, supporting the scalable growth of GoTo Financial Lending products.
What You Will Do
- Accounting & Reporting Leadership: Lead the accounting functions across all lending entities, ensuring accurate financial closing, complex transaction treatments (ECL, write-offs), and compliance with PSAK and OJK regulations with zero material audit findings.
- Finance Operations Management: Oversee end-to-end operations including disbursements, repayments, and settlements for products like GopayPinjam and GopayLater, establishing scalable processes and ensuring SLA achievements.
- Finance Transformation: Develop and execute a technology roadmap to automate month-end closing, reconciliations, and reporting by partnering with Product, MIS, and Engineering teams.
- Funding & Capital Operations: Manage lending capital availability, forecast funding requirements, optimize capital allocation, and oversee the onboarding and operational readiness of new lender partnerships.
- Governance & Compliance: Maintain strict regulatory compliance for Multifinance and P2P Lending businesses, acting as the primary coordinator for internal/external audits, OJK regulatory inspections, and lender due diligence.
- Risk & Financial Control: Establish a robust financial control framework to ensure record accuracy, identify operational and financial risks, and implement effective mitigation strategies across all entities.
- Strategic Leadership: Lead and mentor high-performing finance teams while serving as the primary finance representative to external stakeholders and partnering with Executive Management to drive strategic business decisions.
What You Will Need
- Educational Background: A degree in Accounting, Finance, or a related field, or equivalent practical experience. A professional accounting certification (such as CPA, CA, or ACCA etc.) is a plus.
- Industry Experience: 10+ years of experience in leadership or senior roles within accounting. Familiarity with the Fintech, Banking, Multifinance, or P2P lending sectors is highly advantageous.
- Regulatory Familiarity: Working knowledge of Indonesian accounting standards (PSAK) and OJK regulations, or a strong capacity to quickly learn and adapt to the regulatory landscape of Multifinance and P2P lending.
- Systems & Automation Experience: Experience participating in or guiding finance transformation initiatives. Familiarity with collaborating alongside technical teams to design scalable finance systems or automate reporting processes is very helpful.
- Capital Management Exposure: Experience navigating funding operations, corporate treasury, or capital planning, along with a comfort level in collaborating with banks, institutional lenders, and strategic partners.
- Audit & Risk Operations: Experience supporting, establishing, or maintaining financial controls, as well as navigating external, statutory, and regulatory audit processes.
- Collaborative Leadership: Strong communication and cross-functional teamwork skills, with experience presenting financial insights to leadership teams and engaging constructively with external stakeholders like regulators and investors.
About the Team
The Lending Finance team is a dynamic, high-performing group at the heart of our financial services ecosystem, powering high-volume credit products like GopayPinjam and GopayLater. We are a highly collaborative unit that partners closely with Product, Engineering, Risk, and external funding partners to drive financial transformation, system automation, and scalable growth. Our culture is rooted in operational excellence, accountability, and continuous improvement, where every team member plays a critical role in optimizing our capital strategies while maintaining robust financial controls and regulatory compliance.
The Lending Finance team is a dynamic, high-performing group at the heart of our financial services ecosystem, powering high-volume credit products like GopayPinjam and GopayLater. We are a highly collaborative unit that partners closely with Product, Engineering, Risk, and external funding partners to drive financial transformation, system automation, and scalable growth. Our culture is rooted in operational excellence, accountability, and continuous improvement, where every team member plays a critical role in optimizing our capital strategies while maintaining robust financial controls and regulatory compliance.
About GoTo Group
GoTo is the largest digital ecosystem in Indonesia. GoTo's mission is to 'empower progress' by offering technology infrastructure and solutions that help everyone to access and thrive in the digital economy.
The GoTo ecosystem provides a wide range of services, including mobility, delivery, payments, financial services, and technology solutions for merchants. The ecosystem also provides e-commerce services through Tokopedia and banking services through its partnership with Bank Jago.
About Gojek
Gojek is Southeast Asia’s leading on-demand platform and pioneer of the multi-service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.
About GoTo Financial
GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and GoPayLater and serve businesses of all sizes through Midtrans, Moka, GoBiz Plus, GoBiz, and Selly. With its trusted and inclusive ecosystem of products, GoTo Financial is open to new growth opportunities and aims to empower everyone to Make It Happen, Make It Together, Make It Last.
GoTo and its business units, including Gojek and GoToFinancial ("GoTo") only post job opportunities on our official channels on our respective company websites and on LinkedIn. GoTo is not liable for any job postings or job offers that did not originate from us. You should conduct your own due diligence to prevent being victims of any fake job scams, if they did not originate from GoTo's official recruitment channels.
#LI-ONSITE
Skills Required
- Degree in Accounting, Finance, or a related field, or equivalent practical experience
- 10+ years of experience in leadership or senior accounting roles
- Familiarity with fintech, banking, multifinance, or peer-to-peer lending sectors
- Working knowledge of Indonesian accounting standards (PSAK) and OJK regulations, or ability to learn them quickly
- Experience participating in or leading finance transformation initiatives and reporting automation
- Experience with funding operations, corporate treasury, or capital planning
- Experience collaborating with banks, institutional lenders, and strategic partners
- Experience establishing or maintaining financial controls and supporting external, statutory, and regulatory audits
- Strong communication, cross-functional teamwork, financial presentation, and external stakeholder engagement skills
- Professional accounting certification such as CPA, CA, or ACCA
GoTo Group Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about GoTo Group and has not been reviewed or approved by GoTo Group.
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Fair & Transparent Compensation — Pay is considered competitive to above market for many corporate roles across core entities such as Gojek, Tokopedia, and GoTo Financial. Base pay is often characterized as solid or above market in Indonesia tech roles.
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Healthcare Strength — Medical coverage is characterized as strong in Indonesia and often extends to spouses and children. Company materials also highlight wellness support, parental insurance, and mental‑health counseling for employees and families.
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Leave & Time Off Breadth — Leave programs are described as generous, including maternity, paternity, and other special leave types at Tokopedia. Broader time‑off and flexibility practices are portrayed as supportive across corporate roles.
GoTo Group Insights
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The Company
What We Do
GoTo is the largest technology group in Indonesia, combining on-demand, e-commerce and financial services through the Gojek, Tokopedia and GoTo Financial brands. It is the first platform in Southeast Asia to host these three essential use cases in one ecosystem, capturing a majority of Indonesian consumer household expenditure. GoTo’s mission is to “Empower Progress” by offering an unparalleled selection of goods and services through a comprehensive merchant and partner network and promoting financial inclusion through its leading payments and financial services business.
