Risk Data Analyst Lead (Paylater)

PT Trinusa Travelindo; Tangerang; On-site; IDR 150,000,000 - 300,000,000; Full time

Job summary

Traveloka is seeking a seasoned Credit Risk Analyst to manage risk policies across the customer lifecycle, forecast credit indicators, and support large-scale risk initiatives. You will build senior-level reports and partner with Product to assess new initiatives, ensuring portfolio health and sustainable growth.

The role requires 3–5 years in financial analytics and strong SQL skills, with fluency in Indonesian and English.

Qualifications

• 3–5 years of experience in financial analytics, portfolio management, and/or credit policy.
• Experience with credit risk initiatives such as NPL forecasting and policy tightening/loosening.
• Proven ability to build senior-level presentations and complex reports.
• Fluent in 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

• Maintain clear, up-to-date documentation of risk policies and procedures across the full customer lifecycle.
• Track changes in business strategy and operational processes, assess impact on credit performance, and propose mitigating actions.
• Support credit risk initiatives such as NPL forecasting and portfolio tightening/loosening.
• Regularly monitor and forecast key credit risk and portfolio indicators, and flag deterioration.
• Analyze policy for improvement opportunities and investigate root causes to keep portfolio healthy.
• Work with Product to assess risk of new initiatives and suggest mitigation actions.
• Partner with other teams to manage risk-related projects, including third-party engagements.
• Contribute to sustainable business growth balancing short-term results with long-term health of portfolio.
• Conduct quantitative and qualitative analysis to answer credit risk questions.
• Take an active role in ongoing projects.

Skills

Credit risk analytics

Portfolio management

NPL forecasting

SQL

Credit scoring development

SLIK reporting

Senior stakeholder presentations

Tools

SQL

Job description

Job Responsibilities

• 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.

Job 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.

Unlock job insights

Hirer responsiveness Salary match Number of applicants

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.

Researching careers? Find all the information and tips you need on career advice.