Fraud Strategy & Data Analytics Manager BSD City, Indonesia Regular Corporate Functions 2026.06.26

Traveloka; Pagedangan; On-site; IDR 480,000,000 - 720,000,000; Full time

Job summary

Traveloka is seeking an Expert in Fraud Analytics to lead advanced analytics on the PayLater portfolio, detecting shifting patterns and improving fraud detection models. You will investigate complex cases, design countermeasures, and contribute to financial recovery while supporting GBV growth.

Responsibilities include framework optimization, cross-functional collaboration, and regulatory/stakeholder management with regulators and internal teams.

Qualifications

• Minimum 7 years in fraud investigation/management for unsecured lending.
• Strong understanding of BNPL fraud landscape and OJK regulations.
• Data-driven with ability to present findings clearly.

Responsibilities

• Lead advanced analytics on PayLater fraud patterns and trends.
• Investigate incidents, design countermeasures, and implement rules.
• Drive financial recovery actions while supporting GBV growth.
• Improve early investigation frameworks across the platform.
• Coordinate with regulators, product teams, and partners on inquiries.

Skills

Advanced data analytics

Fraud detection

Cross-functional collaboration

Regulatory awareness

Communication skills

Education

Bachelor's degree in STEM

GPA 3.5/4.0 or higher

Tools

SQL

Python

Fraud rules engine

Job description

Join Traveloka and channel your passion into a rewarding career

About Traveloka Traveloka is Southeast Asia’s leading all-in-one travel platform connecting millions globally with trusted, world-class experiences. With over 140 million app downloads and more than 40 million monthly active users, Traveloka stands as one of the most popular travel apps in the region.

Job Description

Job ID: MJ000231

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, 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 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.


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


• Comfortable with ambiguity and iterative approach.

At Traveloka, we firmly believe in equal opportunities for all because diversity drives creativity and excellence. We encourage individuals from diverse backgrounds to apply for opportunities with us. Our hiring decisions are based on qualifications and merit in accordance with a fair and transparent process, regardless of race, ethnicity, religion, sex, gender identity, sexual orientation, age, marital status, disability, military service, or any other aspect of diversity. Join us in our mission to transform the travel industry and embrace the values that drive us to innovate and serve customers worldwide.Be advised that Traveloka maintains a structured recruitment process and does not entertain unsolicited resumes from recruiting agencies. Third parties who provide unsolicited resumes of candidate(s) shall waive and forfeit all rights to claim for any placement or referral fees in the event that Traveloka eventually employs such candidate. Hence, we will not assume responsibility for any fees incurred for candidates hired through unrequested resumes. Your adherence to our guidelines is greatly appreciated.