The Role
Manage credit risk strategy for merchant lending products by analyzing risk metrics, optimizing underwriting policies, monitoring portfolio health, and supporting data-driven lending decisions. Use SQL and Python to analyze datasets, execute strategy enhancements through decision engines, build risk dashboards, conduct credit reviews and audits, and improve Credit Risk team processes while collaborating with business stakeholders.
Summary Generated by Built In
About the Role
This role is central to our Credit Risk Strategy for merchant lending products including Gopay Pinjam Modal (GPPM) and Toko Kapital. Key challenges include balancing portfolio growth with risk mitigation and navigating complex merchant data to inform actionable decisions.
The person will be expected to assist in managing credit underwriting and account management. In order to support the deliverables, this person is also expected to quickly learn internal risk frameworks, establish relationships with key business stakeholders, and contribute to risk analysis and strategy execution.
What You Will Do
- Monitor and analyze key merchant risk metrics to uncover underlying trends and provide actionable insights.
- Evaluate and optimize current credit risk policies to ensure robust portfolio health and risk mitigation.
- Leverage SQL and Python to analyze complex datasets, driving continuous strategy enhancements and executing them via decision engines.
- Partner with cross-functional business teams to guide and support data-driven lending decisions.
- Develop and maintain comprehensive risk dashboards to facilitate accurate, real-time reporting for stakeholders.
- Facilitate periodic credit reviews and internal audits to ensure compliance and uphold risk standards.
- Drive process improvement initiatives within the Credit Risk team to enhance overall operational efficiency.
What You Will Need
- At least 3 years of experience in credit risk management.
- Strong analytical and problem-solving skills.
- Understanding of credit risk principles and lending products.
- Experience with data analysis tools (SQL/PYTHON, Excel, or BI tools).
- Excellent communication and stakeholder management abilities.
- Attention to detail and strong organizational skills.
- Ability to work independently and prioritize multiple tasks.
About the Team
As a pivotal member of the Credit Risk function, this role manages merchant lending products, monitors portfolio health, and ensures policy compliance. A central objective is to strategically balance business growth with risk mitigation through the interpretation of complex merchant data.
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
- At least 3 years of experience in credit risk management
- Strong analytical and problem-solving skills
- Understanding of credit risk principles and lending products
- Experience with SQL, Python, Excel, or BI tools
- Excellent communication and stakeholder management abilities
- Attention to detail and strong organizational skills
- Ability to work independently and prioritize multiple tasks
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.
-
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.
-
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.
-
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
Am I A Good Fit?
Get Personalized Job Insights.
Our AI-powered fit analysis compares your resume with a job listing so you know if your skills & experience align.
Success! Refresh the page to see how your skills align with this role.
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.
