Senior Risk Analyst — Data-Driven Lending Strategy

Go To Group; Jakarta Pusat; On-site; IDR 240,000,000 - 360,000,000; Full time

Job summary

Senior Risk Analyst - Gopay Lending at Go To Group in Jakarta, Indonesia, focuses on credit risk strategy for merchant lending products including Gopay Pinjam Modal and Toko Kapital. You will help manage underwriting, analyze data, and collaborate with stakeholders to drive risk-informed growth.

You will build risk dashboards, refine policies, and use SQL and Python to support decision engines, with a strong emphasis on accuracy, compliance, and timely reporting.

Qualifications

• Minimum 3 years of experience in credit risk management.
• Strong analytical and problem-solving abilities.
• Understanding of credit risk principles and lending products.

Responsibilities

• Monitor and analyze key merchant risk metrics to uncover trends and provide actionable insights.
• Evaluate and optimize current credit risk policies to ensure portfolio health and risk mitigation.
• Leverage SQL and Python to analyze complex datasets and drive strategy enhancements via decision engines.
• Partner with cross-functional teams to guide data-driven lending decisions.
• Develop and maintain risk dashboards for real-time reporting to stakeholders.
• Facilitate periodic credit reviews and internal audits to ensure compliance and risk standards.
• Drive process improvements within the Credit Risk team to boost operational efficiency.

Skills

Analytical thinking

Problem solving

Credit risk knowledge

Stakeholder management

Independent work

Tools

SQL

Python

Excel

BI tools

Job description

Senior Risk Analyst - Gopay Lending at Go To Group in Jakarta, Indonesia, focuses on credit risk strategy for merchant lending products including Gopay Pinjam Modal and Toko Kapital. You will help manage underwriting, analyze data, and collaborate with stakeholders to drive risk-informed growth.

You will build risk dashboards, refine policies, and use SQL and Python to support decision engines, with a strong emphasis on accuracy, compliance, and timely reporting.