Fraud Investigation Analytics Lead

PT Trinusa Travelindo; Tangerang; On-site; IDR 600,000,000 - 900,000,000; Full time

Job summary

Traveloka is seeking a senior Fraud Investigation & Compliance leader to advance advanced fraud analytics across the PayLater portfolio, design countermeasures, and drive robust rules that protect GBV growth. You will lead investigations at scale and partner with product and regulators.

You must have 7+ years in fraud, strong data analytics, knowledge of OJK regulations, cross-functional collaboration, and a track record of end-to-end accountability for risk strategies in BNPL/loans.

Qualifications

• Have minimum 7 years experience in Fraud Investigation/Management in unsecured personal loan/BNPL.
• Experience in card payments fraud and/or chargeback handling is highly appreciated.
• Proficient understanding of OJK regulations, BNPL fraud landscape, and credit fundamentals.
• Fluency in data analytics and ability to present findings backed with data; detail oriented and strong pattern recognition.
• Bachelor’s degree in STEM from a reputable university with minimum GPA of 3.5/4.0.
• Demonstrated experience working horizontally cross-functions and vertically.
• Proven track record owning P&L; end-to-end accountability for target-setting and variance resolution.

Responsibilities

• Advanced Fraud Analytics: Conduct deep-dive data analytics on the PayLater portfolio to detect shifting behavioral patterns and transaction trends among high-risk or fraudulent users, contributing to fraud-detection model optimization.
• Incident Investigation & Countermeasures: Analyze complex TPayLater fraud cases at scale to design actionable countermeasures, implement robust fraud rules, and recommend product-level fixes.
• Financial Recovery: Execute strategic asset recovery actions to minimize losses while supporting GBV growth.
• Framework Improvement: Continuously evaluate and refine investigation frameworks across PayLater, payments, and the broader platform to improve efficiency.
• Regulatory & External Relations: Serve as primary contact for fraud inquiries to regulators (OJK), law enforcement, and internal product teams.
• Risk Mitigation (KYB/KYE): Perform KYB checks for merchants and manage KYE reporting compliance.
• Fraud Intelligence: Proactively gather intelligence to uncover new fraud patterns and intercept risks.
• Customer Awareness: Partner with social media and cross-functional teams to drive customer-facing fraud awareness initiatives.

Skills

Fraud Investigation/Management

Data analytics

Cross-functional collaboration

Communication skills

P&L ownership

Detail oriented

Education

Bachelor’s degree in STEM

Job description

• Advanced Fraud Analytics:Conduct deep-dive data analytics on the PayLater portfolio to detect shifting behavioral patterns and transaction trends among high-risk or fraudulent users, directly contributing to the optimization of fraud detection models.


• Incident Investigation & Countermeasures:Analyze complex TPayLater fraud cases at scale to design actionable countermeasures, implement robust fraud rules, and recommend product-level fixes.


• Financial Recovery:Execute strategic asset recovery actions to minimize actual or potential financial losses while actively supporting Gross Booking Value (GBV) growth.

Process & Framework Optimization

• Framework Improvement:Continuously evaluate and refine early investigation frameworks across the PayLater ecosystem, payments, and the broader platform to enhance operational efficiency.

Compliance, KYB & Stakeholder Management

• Regulatory & External Relations:Serve as the primary point of contact for fraud-related inquiries, delivering precise and timely responses to regulators (OJK), law enforcement agencies, and internal product teams.


• Risk Mitigation (KYB/KYE):Execute rigorous Know Your Business (KYB) checks for merchants to secure the lending space, and manage internal Know Your Employee (KYE) reporting compliance.


• Fraud Intelligence:Perform proactive intelligence-gathering to uncover emerging fraudmodus operandiand preemptively intercept risks.


• Customer Awareness:Partner with social media and cross-functional teams to design and drive customer-facing fraud awareness initiatives.

Job Requirements

• Have minimum 7 years experience in Fraud Investigation/Management in unsecured personal loan/BNPL. Some experience in card payments fraud and/or chargeback handling is highly appreciated.


• Proficient understanding of OJK regulations, fraud landscape in BNPL, and with credit‑related fundamentals.


• Fluency in data analytics and comfortable in presenting findings and patterns backed with data; detail oriented and vigorous pattern‑recognition; able to move fast with imperfect data.


• Bachelor’s degree in any major, preferably in STEM from a reputable university with minimum GPA of 3.5 on a 4.0 scale.


• Demonstrated experience working horizontally cross-functions and vertically.


• Proven track record building and owning P&L; comfortable with end-to-end accountability target-setting to variance resolution.


• Good interpersonal and communication skill, comfortable translating between technical and business terms.


• Honest and ethical with high levels of integrity and confidentially.


• Comfortable with ambiguity and iterative approach.

Unlock job insights

Traveloka (traveloka.com) is a tech startup based in Jakarta. We aim to revolutionize Indonesian travel marketplace and make it more accessible to travelers across the country. Since it is a mammoth of a task, we'd love to have talented people from diverse backgrounds who can help us achieve our mission. We are committed to building a dynamic workplace where people truly enjoy their work and feel that they can really have an impact.

Traveloka (traveloka.com) is a tech startup based in Jakarta. We aim to revolutionize Indonesian travel marketplace and make it more accessible to travelers across the country. Since it is a mammoth of a task, we'd love to have talented people from diverse backgrounds who can help us achieve our mission. We are committed to building a dynamic workplace where people truly enjoy their work and feel that they can really have an impact.