Merchant Credit Risk Strategy Lead

GoTo; Jakarta Pusat; On-site; IDR 167,400,000 - 312,480,000; Full time

Job summary

GoTo is seeking a Credit Risk Account Management professional in Jakarta to balance portfolio growth with risk controls for GoPay lending products. You will own limit management and risk strategy for existing merchants, learning internal risk frameworks and partnering with stakeholders across the business.

Based in Jakarta, you will use data to inform decisions, maintain risk dashboards, support periodic reviews, and drive improvements in risk policy and operational efficiency.

Qualifications

• Experience in credit risk management for merchant lending.
• Ability to analyze complex data and extract actionable insights.
• Strong communication and stakeholder engagement.
• Experience with risk reporting and dashboards is a plus.

Responsibilities

• Monitor merchant portfolio for credit and operational risk signals.
• Execute the limit strategy framework and drive improvements through experiments.
• Evaluate current credit risk policy effectiveness using decision engines.
• Collaborate with business teams to support lending decisions.
• Implement account-level interventions to mitigate emerging risks.
• Maintain risk dashboards and reporting artifacts.
• Support periodic credit reviews and internal audits.
• Contribute to process improvement within Credit Risk team.

Skills

Analytical skills

Credit risk knowledge

Stakeholder management

Attention to detail

Multitasking

Proactiveness

Adaptability

Communication skills

Tools

SQL

Excel

BI tools

Job description

GoTo is seeking a Credit Risk Account Management professional in Jakarta to balance portfolio growth with risk controls for GoPay lending products. You will own limit management and risk strategy for existing merchants, learning internal risk frameworks and partnering with stakeholders across the business.

Based in Jakarta, you will use data to inform decisions, maintain risk dashboards, support periodic reviews, and drive improvements in risk policy and operational efficiency.