Risk Manager

GoTo Group; Jakarta Utara; On-site; IDR 100.000.000 - 200.000.000; Full time

Job summary

A leading digital ecosystem in Indonesia is seeking an individual for their Credit Risk Strategy function. You will manage account management processes for merchant lending products, balancing portfolio growth with risk mitigation. The role involves close collaboration with local risk teammates and offers opportunities for cross-border exposure. Ideal candidates should have experience in risk frameworks and strong stakeholder management skills.

Qualifications

• Experience with account management processes and risk frameworks.
• Ability to establish relationships with stakeholders and contribute to risk reporting.
• Knowledge in managing portfolio quality and credit performance.

Responsibilities

• Manage the account management process such as limit management.
• Support deliverables by learning internal risk frameworks quickly.
• Contribute to risk reporting and strategy execution.

Job description

Overview

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.

Responsibilities

• Manage the account management process such as limit management and strategy for existing users. Support the deliverables by quickly learning internal risk frameworks, establishing relationships with key business stakeholders, and contributing to risk reporting and strategy execution, ultimately impacting portfolio quality, credit performance, and operational efficiency.

Team and Location

The person will be 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 Group is the largest digital ecosystem in Indonesia with its mission to “Empower Progress” by offering technological infrastructure and solutions for everyone to access and thrive in the digital economy. The GoTo ecosystem consists of on-demand transportation services, food and grocery delivery, logistics and fulfillment, as well as financial and payment services through the Gojek and GoTo Financial platforms. It is the first platform in Southeast Asia that hosts these crucial cases in a single ecosystem, capturing the majority of Indonesia’s vast consumer household.

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.

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