Lead Internal Auditor - Lending

Gotogroup; Jakarta Pusat; On-site; IDR 350,000,000 - 550,000,000; Full time

Job summary

GoTo Group is seeking a Lead Internal Auditor to plan and execute risk-based audits, assessing regulatory and operational risks across the business. You will identify control gaps, communicate findings, and provide actionable recommendations to strengthen governance and risk management.

As part of GoTo Internal Audit, you will report in Bahasa Indonesia and English, collaborate with risk, compliance and stakeholders, and support remediation progress to closure in a fast-paced, regulated

Qualifications

• 6-8 years of audit experience in financial services or regulated industries.
• Experience auditing OJK/BI regulations in financial services or lending.
• Strong data analysis and reporting skills.
• Proficiency in Bahasa Indonesia and English.
• Professional certifications preferred (CA/CPA/CIA/CISA/CRMA).

Responsibilities

• Plan and develop risk-based audit plans aligned with regulatory requirements and governance inputs.
• Independently execute audit engagements following approved plans and standards.
• Analyze processes to identify risks and control gaps; determine root causes.
• Prepare clear audit reports and actionable remediation recommendations.
• Engage stakeholders to discuss findings and align on corrective actions.
• Monitor remediation progress and closure of audit findings.
• Communicate audit observations and status in Bahasa Indonesia and English.

Skills

Audit planning & execution

Stakeholder management

Data analysis

Bahasa Indonesia and English

Education

Professional certification in audit/risk/IS (CA/CPA/CIA/CISA/CRMA)

Tools

MS Excel

ACL

Tableau

Job description

About the Role

At GoTo, our business operates in a fast-paced and increasingly regulated environment, with complex processes and high-volume transactions across our ecosystem. As a Lead Internal Auditor, you will plan and execute risk-based audits, assess operational and regulatory risks, and evaluate the effectiveness of key controls across the business. Working closely with business, risk, compliance, and Group Audit stakeholders, you will identify control gaps, communicate audit findings, and provide practical recommendations to strengthen governance and risk management. This role offers broad exposure to GoTo's technology-driven business and evolving regulatory landscape, while providing opportunities to deepen your audit expertise and analytical skills.

Risk-Based Audit Planning

Plan and develop risk-based audit plans considering regulatory requirements, operational risks, business needs, and governance inputs (Enterprise Risk, Ethics, and Regulatory Compliance).

End-to-End Audit Execution

Independently plan and execute audit engagements in line with approved plans, internal audit methodologies, and quality standards.

Risk & Control Assessment

Perform in-depth analysis of operational processes, regulatory matters, and root causes to identify key risks and control gaps.

Audit Reporting & Recommendations

Prepare clear and comprehensive audit reports, provide guidance on remediation actions, and monitor progress through to closure.

Stakeholder & Issue Management

Engage with business stakeholders and Group Audit to discuss findings, elevate key issues, and align on remediation actions.

Remediation Monitoring

Track remediation progress, follow up on outstanding findings, and support timely closure of agreed actions.

Audit Communication

Effectively communicate audit observations, recommendations, remediation status, and report deliverables in both Bahasa Indonesia and English.

Minimum of 6-8 years of audit experience, gained from public accounting firms and/or internal audit roles, preferably within financial services, fintech, banking, or other regulated industries, especially those in lending.

Hands-on experience auditing compliance with relevant Otoritas Jasa Keuangan (OJK) and/or Bank Indonesia (BI) regulations, preferably within financial services or lending-related businesses.

Good understanding of risk-based audit methodologies, including audit planning, walkthroughs, control testing, identifying findings, and developing audit recommendations.

Good understanding of payment systems, processes, and technology environments, with exposure to high-volume transaction processes preferred.

Professional certification in audit, risk, or information systems (e.g., CA, CPA, CIA, CISA, CRMA, or equivalent) is preferred.

Proficiency in data analysis tools such as MS Excel, ACL, Tableau, or equivalent, with strong analytical and problem-solving skills.

Strong communication and stakeholder management skills, with the ability to work independently, manage multiple audit assignments, and communicate effectively in both Bahasa Indonesia and English. Strong report writing skills in English to communicate concisely on audit findings and reports.

About the Team

Our team, GoTo Internal Audit, is a growing group of dedicated auditors with deepening expertise in our respective areas. As part of GoTo's Internal Audit function, we support the Board's oversight role and provide guidance to Management on operational efficiency, risk management, and asset protection across GoTo, Gojek, and GoTo Financial.

Our goal is to be a trusted business partner by delivering high-quality audits that help improve operational excellence through stronger controls and governance practices, while offering valuable insights on the transparency of performance in relation to business objectives. As a publicly listed company, we also play a key role in safeguarding stakeholders’ interests, ensuring asset protection, and maintaining regulatory compliance.

About GoTo Group

GoTo is the largest digital ecosystem in Indonesia. GoTo's mission is '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.