Risk Data Analyst: Credit Risk & Growth Insights

Traveloka; Indonesia; On-site; IDR 223,200,000 - 502,200,000; Full time

Job summary

Traveloka Financing is seeking a Business Operations specialist to tackle complex risk-control problems and shape operational plans with direct impact on the portfolio. This senior individual contributor role emphasizes expertise over people leadership.

You will drive risk initiatives, monitor credit indicators, and partner with product teams to mitigate threats while supporting business growth and portfolio health.

Qualifications

• 2–3 years of experience in financial analytics, portfolio management, and/or credit policy.
• Experience in credit model development and risk strategy formulation.
• Familiarity with credit risk initiatives such as NPL forecasting and policy tightening/loosening.
• Proven ability to build senior-level presentations and complex reports that stay clear and easy to follow.
• Fluent in both Bahasa Indonesia and English.
• Strong command of a statistical/analytical tool (e.g., SQL) or equivalent.
• Solid background in financial analysis and portfolio management, with strong analytical skills.
• Experience in credit scoring development.
• Experience with SLIK or credit bureau reporting is a plus.
• Self-starter who adapts to change, delivers on time, and is proactive, meticulous, and self-motivated

Responsibilities

• Lead credit risk initiatives such as portfolio tightening/loosening: sizing the expected credit impact and helping shape the rollout.
• Maintain the NPL forecast, keeping it accurate and up to date as portfolio and business conditions evolve.
• Regularly monitor key credit risk and portfolio indicators, and quickly flag any deterioration in credit performance.
• Analyze policy for improvement opportunities, and when credit performance deteriorates, investigate the root cause to keep the portfolio healthy.
• Work closely with the Product team to assess the risk of new initiatives with sufficient challenge, while recommending practical mitigation actions.
• Partner with other teams to manage risk-related projects, including third-party engagements, keeping the user journey and customer needs in mind.
• Take a pro‑active role in supporting business growth, balancing short‑term results with the long‑term health of the portfolio.
• Conduct quantitative and qualitative analysis planned or ad hoc, independently or with the data team to answer credit risk questions.
• Take on a broader role in credit model development and risk strategy formulation, partnering with the credit risk and data teams to keep models predictive and strategies effective.
• Take an active role in ongoing projects.

Skills

Financial analytics

Portfolio management

Credit policy

Credit risk modeling

SQL

Presentation skills

Self-starter

Tools

SQL

Job description

Traveloka Financing is seeking a Business Operations specialist to tackle complex risk-control problems and shape operational plans with direct impact on the portfolio. This senior individual contributor role emphasizes expertise over people leadership.

You will drive risk initiatives, monitor credit indicators, and partner with product teams to mitigate threats while supporting business growth and portfolio health.