Operational Risk Specialist BSD City, Indonesia Regular Corporate Functions 2026.09.29

Traveloka; Pagedangan; On-site; IDR 200,880,000 - 312,480,000; Full time

Job summary

Traveloka is hiring an Analyst in Business Operations within Traveloka Financing to independently run and improve the risk-control backbone. You will handle risk assessments, regulatory checks, and operational risk metrics with full autonomy, contributing to a scalable lending playbook across Southeast Asia.

You will collaborate across teams, ensure regulatory compliance, and drive improvements in SOPs, controls, and risk reporting while supporting the mission to enable trusted customer

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Risk Management, or a related field.
• Experience in operational risk, credit risk, or compliance within financial services or fintech is preferred.
• Fluent in Bahasa Indonesia and Business English (written and spoken).
• Strong interpersonal skills enabling cross-team collaboration.
• Solid understanding of Indonesian financial regulations (OJK/BI), AML, and KYC.

Responsibilities

• Suspend accounts based on risk assessment results.
• Perform and review SLIK / credit bureau checks for new and existing clients to ensure regulatory compliance.
• Monitor merchant lending operations for credit risk and manage delinquency issues.
• Conduct due diligence and risk evaluations for new account openings.
• Oversee invoicing, vendor payments, and liaison with external partners.
• Evaluate workflows and help design SOPs to reduce operational losses.
• Investigate risk events and present period risk metrics to management.

Skills

Risk management

Credit risk

Compliance

Credit bureau checks

Communication

Education

Bachelor’s degree in Finance / Accounting / Economics / Risk Management

Tools

SLIK (OJK) reports

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: MJ000378

About Traveloka

Traveloka is Southeast Asia's leading travel and lifestyle super-app. We connect tens of millions of travellers across the region with flights, hotels, experiences, financial services, and more — all from a single platform. Since our founding in 2012, we have expanded to eleven markets, processed billions of dollars in transactions, and built one of the most recognised consumer brands in the region.

We move fast because the region demands it. Southeast Asia is young, mobile-first, and growing faster than almost anywhere else on earth. We are not transplanting a Western playbook — we are writing a new one, from scratch, for a market that does not look like anywhere else — and we are calling for people who want to be part of that.

About the Team

Lending makes travel accessible — but only if we lend wisely. The Risk Control team inside Financing decides who we say yes to, on what terms, and how we keep losses in check while still letting customers book the trip they want. We work across Southeast Asian markets where credit data is thin, behaviour shifts fast, and every country plays by different rules, so there is no off-the-shelf model to copy. We build our own.

Here you turn raw signals into approval and collection strategies that move real numbers. You will:

• Investigate fraud and default patterns, then design the rules and limits that stop them
• Translate portfolio performance into decisions credit and product teams act on
• Sharpen the operational playbooks that keep risk tight as we scale across the region

If you like proving your judgement against live outcomes, this is your team.

About the Job

As an Analyst in Business Operations, you are joining Traveloka Financing — a fully competent individual contributor with no direct reports, who independently runs and improves the operational backbone of our risk-control function. You deliver to operational targets and standards with full autonomy over how, and you are accountable for the decisions and course of action within your area, even when the problem is loosely defined and spills into adjacent teams. We are writing a lending playbook for Southeast Asia, and you help build it.

• Responsible for account suspension due to risk assessment result
• Conduct, review, and maintain SLIK (Sistem Layanan Informasi Keuangan) / credit bureau checks for new and existing clients to ensure compliance with financial regulatory standards.
• Monitor, evaluate, and follow up on merchant lending operations, identifying potential credit risks and managing default or delinquency issues.
• Perform thorough due diligence and risk evaluations for incoming account opening requests
• Oversee invoicing processes, manage vendor payments, and serve as the primary liaison for operational communications with external partners and service providers.
• Evaluate current operational workflows, recommend control enhancements, and assist in designing standard operating procedures (SOPs) to mitigate operational losses.
• Investigate operational risk events, document root causes, track remediation actions, and present periodic risk metrics to management.

Job Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Risk Management, or a related field, with a minimum of 3 years of hands‑on experience in operational risk, credit risk, or compliance within the financial services or fintech sector.
• Direct experience navigating and interpreting SLIK (OJK) reports and credit bureau databases to evaluate creditworthiness effectively is preferred
• Fluent in both professional Bahasa Indonesia and Business English (both written and verbal) to draft reports and communicate
• Strong interpersonal skills with a proven track record of facilitating seamless communication between different teams
• Solid understanding of Indonesian financial regulations (OJK/BI guidelines), anti‑money laundering (AML) standards, and Know Your Customer (KYC) frameworks

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.