The Role
Build, evaluate, and monitor consumer and merchant credit risk models for lending products. Partner with business and product teams to develop data science solutions, optimize underwriting and lifecycle decisions, and translate business needs into technical problems. Lead modeling initiatives, analyze business outcomes, document recommendations, and recruit and mentor data scientists.
Summary Generated by Built In
About the Role
In this role, you will be an integral player within Data Science team based on Jakarta. You will take the wheel in building, evaluating, and monitoring credit risk models for a variety of consumer and merchant lending products GoPay offers in Indonesia. Your responsibilities will include enhancing our credit risk models by leveraging innovative and cutting-edge algorithms on GoTo data and third-party data vendors. Most importantly, your efforts will work to bring wider financial inclusion to more people in the region and beyond.
What You Will Do
- Drive End-to-End Impact: Take complete ownership of the machine learning lifecycle. You will conceptualize, build, deploy, and monitor data models that directly influence key business metrics and bottom-line results.
- Innovate Credit Risk Strategy: Lead the development of advanced consumer credit risk models. Apply rigorous statistical analysis and ML techniques to optimize lending decisions, balance risk, and fuel sustainable business growth.
- Partner with Product & Business: Act as a strategic bridge between data and business strategy. Collaborate closely with cross-functional teams to translate ambiguous business challenges into scalable, production-ready data science solutions.
- Champion Technical Excellence: Set the standard for robust model evaluation and clear documentation. You will advocate for data science best practices and distill complex technical concepts into actionable insights for non-technical leadership.
What You Will Need
- Bachelor degree or above in science and engineering related majors such as statistics, mathematics, physics, computer science, etc.
- At least 3 years of hands-on experience in building, evaluating, and monitoring credit risk models.
- Excellent understanding of machine learning techniques and algorithms.
- Comfortable using Python, SQL, and UNIX Shell.
- Understand business concerns and formulate them as technical problems that can be solved using data and math/stats/ML.
- Self-driven and entrepreneurial with a strong sense of ownership, and thrive in a fast-paced environment.
- Good communication skills and ability to present technical concepts to a non-technical audience.
- Able to write model documentation clearly and concisely and support recommendations with research and data.
About the Team
Our team leverages big data from the GoTo universe, as well as external data, to build various predictive models to support the risk strategy team in real-time credit underwriting and management of the customer lifecycle Cicil (BNPL) and Pinjam (cash loans) products. As our model scores are key inputs to risk decisioning (e.g. approval/rejection of loans, credit limit adjustments), we are also able to see the direct impact of our models on the business and our customers.
We are a growing team and are constantly looking for opportunities to use data science to enhance our credit and fraud risk management capabilities. We are focused on growth and efficiency. We are all about open knowledge sharing and self-improvement. We believe that “Data Science is a team sport.”
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
- Bachelor's degree or higher in science or engineering, such as statistics, mathematics, physics, or computer science
- At least 6–7 years of hands-on experience building, evaluating, and monitoring risk models
- Strong understanding of machine learning techniques and algorithms
- Proficiency with Python, SQL, and UNIX Shell
- Ability to formulate business concerns as technical problems solvable with data, mathematics, statistics, or machine learning
- Strong communication skills and ability to present technical concepts to non-technical audiences
- Ability to write clear, concise model documentation and support recommendations with research and data
- Self-driven, entrepreneurial, and able to thrive in a fast-paced environment
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.
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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.
