Lead Internal Auditor - Lending

GoTo Financial; Jakarta Utara; On-site; IDR 90,000,000 - 140,000,000; Full time

Job summary

GoTo Internal Audit is seeking a senior auditor to plan and execute risk-based audit engagements across GoTo Financial and related entities. The role emphasizes regulatory awareness, detailed control testing, and clear reporting in both Bahasa Indonesia and English.

Ideal candidates have 6–8 years in audit within financial services or fintech, with proficiency in data analysis tools and strong stakeholder management. The position supports ongoing governance improvement and regulatory compliance.

Qualifications

• Minimum 6–8 years of audit experience in financial services, fintech, or regulated industries.
• Hands-on experience auditing compliance with OJK/BI regulations in financial services or lending.
• Strong understanding of risk-based audit methodologies and control testing.

Responsibilities

• Plan and execute risk-based audit engagements in line with approved plans and standards.
• Perform risk and control assessments to identify gaps and remediation actions.
• Prepare audit reports and provide remediation guidance with timely closure.
• Engage with stakeholders and Group Audit to discuss findings and accelerate action.
• Monitor remediation progress and communicate status in Bahasa Indonesia and English.
• Communicate audit observations and recommendations clearly in reports.

Skills

Audit planning

Data analysis

Regulatory compliance

Communication

Stakeholder management

Report writing (English)

Education

Bachelor's degree in Accounting/Finance

Tools

MS Excel

ACL

Tableau

Job description

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, accelerate 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.

What You Will Need

• 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 to ‘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.

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.

Unlock job insights

Hirer responsiveness Salary match Number of applicants

Imagine having a beautiful product that you create being launched to the public. Then visualize more than 55 million active users, over 14 million merchants, and more than 2.5 million driver partners benefiting from it: greater efficiency, easier access to financial services, better earnings, and more.

GoTo Financial is part of the GoTo ecosystem, a unique combination of on-demand mobility services Gojek, e-commerce platform Tokopedia, and comprehensive fintech platform GoTo Financial. This massive and integrated ecosystem enables you to work on projects that impact the lives of millions, ranging from:

1- Bringing the unbanked into formal financial system by helping them open a digital bank account with GoPay-Jago

2- Providing seamless cashless payment method in GoPay and GoPayLater to merchants and consumers,

3- Giving consumers and merchants access to responsible lending, insurance and investment products,

4- Helping offline and online merchants reap the benefits of the digital economy through Midtrans payment gateway, webstore builder GoStore, keyboard app for online sellers Selly, and point-of-sales solutions MOKA and GoKasir,

5- Supporting food merchants in simplifying their operations with GoBiz and GoBiz Plus, to

6- Creating other use cases that empower consumers and merchants to manage all money-related matters.

So join our ride to bring the benefit of the digital economy to all. We’re just getting started!

Imagine having a beautiful product that you create being launched to the public. Then visualize more than 55 million active users, over 14 million merchants, and more than 2.5 million driver partners benefiting from it: greater efficiency, easier access to financial services, better earnings, and more.

GoTo Financial is part of the GoTo ecosystem, a unique combination of on-demand mobility services Gojek, e-commerce platform Tokopedia, and comprehensive fintech platform GoTo Financial. This massive and integrated ecosystem enables you to work on projects that impact the lives of millions, ranging from:

1- Bringing the unbanked into formal financial system by helping them open a digital bank account with GoPay-Jago

2- Providing seamless cashless payment method in GoPay and GoPayLater to merchants and consumers,

3- Giving consumers and merchants access to responsible lending, insurance and investment products,

4- Helping offline and online merchants reap the benefits of the digital economy through Midtrans payment gateway, webstore builder GoStore, keyboard app for online sellers Selly, and point-of-sales solutions MOKA and GoKasir,

5- Supporting food merchants in simplifying their operations with GoBiz and GoBiz Plus, to

6- Creating other use cases that empower consumers and merchants to manage all money-related matters.

So join our ride to bring the benefit of the digital economy to all. We’re just getting started!