Risk Data Analyst Lead (Paylater)

PT Trinusa Travelindo; Kebayoran Baru; On-site; IDR 240,000,000 - 360,000,000; Full time

Job summary

Traveloka in Jakarta is seeking a credit risk professional with 3–5 years of experience in financial analytics, portfolio management, and credit policy. You will analyze risk, forecast indicators, and help shape mitigation actions while collaborating with product and data teams.

The role requires fluent Bahasa Indonesia and English, strong SQL skills, and experience in credit scoring. Join a dynamic tech startup team dedicated to sustainable portfolio growth.

Qualifications

• 3–5 years of experience in financial analytics, portfolio management, or credit policy.
• Familiar with NPL forecasting and policy tightening/loosening.
• Strong ability to build senior-level presentations and complex reports.
• Fluent in Bahasa Indonesia and English.
• Experience in credit scoring development.
• Experience with SLIK or credit bureau reporting is a plus.
• Self-starter, proactive, meticulous, and adaptable to change.

Responsibilities

• Maintain up-to-date documentation of risk policies across the full customer lifecycle.
• Track changes in business strategy and assess impact on credit performance.
• Support credit risk initiatives such as NPL forecasting and portfolio tightening/loosening.
• Monitor and forecast key credit risk indicators and flag deteriorations.
• Analyze policy for improvement and investigate root causes to keep the portfolio healthy.
• Collaborate with Product to assess risk of new initiatives and suggest mitigations.
• Partner with other teams on risk-related projects with user needs in mind.
• Contribute to sustainable business growth balancing short-term results with portfolio health.
• Conduct quantitative and qualitative analyses to answer credit risk questions.
• Take an active role in ongoing projects.

Skills

Financial analytics

Portfolio management

Credit policy

NPL forecasting

SQL

Presentation skills

Credit scoring

Self-motivation

Tools

SQL

Job description

• Maintain clear, up-to-date documentation of risk policies and procedures across the full customer lifecycle — new-customer selection, portfolio management, and risk mitigation over the product lifetime.
• Track changes in business strategy and operational processes, assess their impact on credit performance, and propose and implement mitigating actions where needed.
• Support credit risk initiatives such as NPL forecasting and portfolio tightening/loosening — sizing the expected credit impact and helping shape the rollout.
• Regularly monitor and forecast 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.
• Contribute to sustainable 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 an active role in ongoing projects.

Requirements

• 3–5 years of experience in financial analytics, portfolio management, and/or credit policy.
• 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.

Traveloka (traveloka.com) is a tech startup based in Jakarta. We aim to revolutionize Indonesian travel marketplace and make it more accessible to travelers across the country. Since it is a mammoth of a task, we'd love to have talented people from diverse backgrounds who can help us achieve our mission. We are committed to building a dynamic workplace where people truly enjoy their work and feel that they can really have an impact.

Traveloka (traveloka.com) is a tech startup based in Jakarta. We aim to revolutionize Indonesian travel marketplace and make it more accessible to travelers across the country. Since it is a mammoth of a task, we'd love to have talented people from diverse backgrounds who can help us achieve our mission. We are committed to building a dynamic workplace where people truly enjoy their work and feel that they can really have an impact.