Senior Risk Analyst - Gopay Lending

GoPay; Jakarta Pusat; On-site; IDR 180,000,000 - 300,000,000; Full time

Job summary

GoPay is seeking a Credit Risk professional in Indonesia to support merchant lending products. You will monitor risk metrics, analyze data, and help balance portfolio growth with risk controls. The role emphasizes learning internal risk frameworks and collaborating with stakeholders across the business.

Strong SQL and Python skills, plus Excel or BI tools, are essential to build dashboards, support risk reviews, and drive improvements in underwriting and account management.

Qualifications

• 3+ years of experience in credit risk management.
• Strong analytical and problem-solving skills.
• Experience with data analysis tools and reporting.

Responsibilities

• Monitor and analyze merchant risk metrics to uncover trends.
• Evaluate and optimize credit risk policies for portfolio health.
• Use SQL and Python to analyze datasets and drive strategy.
• Partner with cross-functional teams to guide data-driven lending decisions.
• Develop risk dashboards for real-time reporting.
• Support periodic credit reviews and audits.

Skills

Analytical thinking

Problem solving

Stakeholder management

Tools

SQL

Python

Excel

BI tools

Job description

This role is central to our Credit Risk 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 assist in managing credit underwriting and account management. 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 analysis and strategy execution.

What You Will Do

Monitor and analyze key merchant risk metrics to uncover underlying trends and provide actionable insights.

Evaluate and optimize current credit risk policies to ensure robust portfolio health and risk mitigation.

Leverage SQL and Python to analyze complex datasets, driving continuous strategy enhancements and executing them via decision engines.

Partner with cross-functional business teams to guide and support data-driven lending decisions.

Develop and maintain comprehensive risk dashboards to facilitate accurate, real-time reporting for stakeholders.

Facilitate periodic credit reviews and internal audits to ensure compliance and uphold risk standards.

Drive process improvement initiatives within the Credit Risk team to enhance overall operational efficiency.

What You Will Need

At least 3 years of experience in credit risk management.

Strong analytical and problem-solving skills.

Understanding of credit risk principles and lending products.

Experience with data analysis tools (SQL/PYTHON, 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.

About the Team

As a pivotal member of the Credit Risk function, this role manages merchant lending products, monitors portfolio health, and ensures policy compliance. A central objective is to strategically balance business growth with risk mitigation through the interpretation of complex merchant data.

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.