Fraud Strategy & Data Analytics Manager

PT Trinusa Travelindo; Jakarta Utara; On-site; IDR 600,000,000 - 1,000,000,000; Full time

Job summary

Traveloka in Jakarta seeks a seasoned Fraud Analytics Lead to drive in-depth analysis of the PayLater portfolio, identify evolving fraud patterns, and strengthen detection models across the BNPL ecosystem.

You will investigate complex cases, design robust countermeasures, support GBV growth, improve early investigation frameworks, and collaborate with regulators and internal teams to stay ahead of fraud threats.

Qualifications

• Minimum 7 years of Fraud Investigation/Management in unsecured lending or BNPL.
• Strong understanding of OJK regulations and BNPL fraud landscape.
• Proficient in data analytics with ability to present data-backed findings.
• Bachelor’s degree in STEM with GPA 3.5+.
• Experience working across functions and driving end-to-end accountability.
• Fluent in English; high integrity and detail-oriented.
• Comfortable with ambiguity and iterative approach.

Responsibilities

• Advanced Fraud Analytics: conduct deep-dive analytics on PayLater to detect patterns and trends.
• Incident Investigation & Countermeasures: analyze fraud cases, design countermeasures, and implement rules.
• Financial Recovery: execute asset recovery actions to minimize losses while supporting GBV growth.
• Framework Optimization: evaluate and refine early investigation frameworks for efficiency.
• Compliance, KYB & Stakeholder Management: liaise with regulators and internal teams, ensure KYB/KYE compliance.
• Intelligence & Awareness: perform proactive fraud intelligence and drive customer-facing awareness.

Skills

Data analytics

Stakeholder communication

Cross-functional collaboration

Pattern recognition

English fluency

Integrity

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.

Deskripsi Pekerjaan

Responsibilities

Data Analytics & Model Enhancement

• 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.

Investigation & Loss Mitigation

• 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.

Intelligence & Awareness

• Fraud Intelligence: Perform proactive intelligence-gathering to uncover emerging fraud modus operandi and preemptively intercept risks.
• Customer Awareness: Partner with social media and cross-functional teams to design and drive customer-facing fraud awareness initiatives.

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.
• Fluency in English both in written & verbal.
• Honest and ethical with high levels of integrity and confidentially.
• Comfortable with ambiguity and iterative approach.

Unlock job insights

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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.