About the role
Optimizing the Risk-Rewards Balance to support the achievements of GoFinance Organizational Objective within the boundaries of Credit and Fraud Risk for Merchant lending products. You will focus on driving the optimization of Risk adjusted return and writing the boundaries of sustainable portfolio growth.
What You Will Do
- Formulate credit risk policy for merchant lending, from whitelist strategy, credit underwriting, loan assessment as well as limit management.
- Continuously monitor and manage the achievement of Risk Appetite metrics.
- Ensure the effectiveness of currently prevailing credit risk policy/processes together with all the other relevant stakeholders
- Lead cross-functional alignment to ensure that Credit and Fraud Risk policies and processes are applied consistently and thoughtfully as the organization continues to scale. This will include alignment with any parties within the GoTo ecosystem
What you will need
- In depth knowledge of Merchant lending credit and fraud risk factors
- Strong Business acumen
- Excellent project management
- People leadership and effective stakeholder management
- Effective articulation of thoughts in both English and Bahasa
- Prior experience in Fintech Lending is a huge plus
About GoTo Group
GoTo Group is the largest digital ecosystem in Indonesia with its mission to “Empower Progress’ by offering technological infrastructure and solutions for everyone to access and thrive in the digital economy. The GoTo ecosystem consists of on-demand transportation services, food and grocery delivery, logistics and fulfillment, as well as financial and payment services through the Gojek and GoTo Financial platforms.It is the first platform in Southeast Asia that hosts these crucial cases in a single ecosystem, capturing the majority of Indonesia’s vast consumer household.
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.
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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.
