Risk Manager

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

About the Role

This role is central to our Credit Risk Strategy function, focusing on account management strategy for merchant lending products including Gopay Pinjam Modal (GPPM) and Toko Kapital. Key challenges include balancing portfolio growth with risk mitigation and navigating complex merchant data to inform actionable decisions.

The person will be expected to manage the account management process such as limit management and strategy for existing users. In order to support the deliverables, this person is also expected to quickly learn internal risk frameworks, establish relationships with key business stakeholders, and contribute to risk reporting and strategy execution, ultimately impacting portfolio quality, credit performance, and operational efficiency.

What You Will Do

• Monitor merchant portfolio for credit and operational risk signals.
• Execute the limit strategy framework and deliver the continuous strategy improvement by doing (but not limited to) experiment tests periodically.
• Monitor and make sure the effectiveness of the current credit risk policy, and execute the strategy by using a decision engine.
• Collaborate with business teams to support lending decisions.
• Execute account-level interventions to mitigate emerging risks.
• Maintain accurate records and risk dashboards for reporting purposes.
• Support periodic credit reviews and internal audits.
• Contribute to process improvement initiatives within the Credit Risk team.

What You Will Need

• Strong analytical and problem-solving skills.
• Understanding of credit risk principles and lending products.
• Experience with data analysis tools (SQL, Excel, or BI tools).
• Excellent communication and stakeholder management abilities.
• Attention to detail and strong organizational skills.
• Ability to work independently and prioritize multiple tasks.
• Proactive mindset to identify and resolve risk issues.
• Adaptability to work in a fast-paced and dynamic environment.

About the Team

This role is a key member of the Credit Risk team, driving the merchant account management strategy and safeguarding portfolio health while ensuring compliance with risk policies. A major focus is balancing business growth with risk mitigation through the analysis of complex merchant and transaction data.

The position is based at PT Mapan Global Reksa (Findaya) in Jakarta, supporting our cash loan business alongside two local Risk teammates who focus on risk strategy and regulatory reporting. The broader Risk division spans offices in Shanghai, Chengdu, and Singapore, offering opportunities for cross-border collaboration and exposure to diverse markets.

About GoTo Group

GoTo is the largest digital ecosystem in Indonesia. GoTo's mission is to 'empower progress' by offering technology infrastructure and solutions that help everyone to access and thrive in the digital economy.

The GoTo ecosystem provides a wide range of services, including mobility, delivery, payments, financial services, and technology solutions for merchants. The ecosystem also provides e-commerce services through Tokopedia and banking services through its partnership with Bank Jago.

About Gojek

Gojek is Southeast Asia's leading on-demand platform and pioneer of the multi-service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.

About GoTo Financial

GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and GoPayLater and serve businesses of all sizes through Midtrans, Moka, GoBiz Plus, GoBiz, and Selly. With its trusted and inclusive ecosystem of products, GoTo Financial is open to new growth opportunities and aims to empower everyone to Make It Happen, Make It Together, Make It Last.