Senior Risk Analyst - Gopay Lending

GoTo Group; Jakarta Pusat; On-site; IDR 133,920,000 - 267,840,000; Full time

Job summary

GoTo Group is seeking a Credit Risk professional to join the Credit Risk Strategy for merchant lending products, including GoPay and related services. The role focuses on balancing portfolio growth with risk mitigation and interpreting complex merchant data to inform actionable decisions.

You will analyze risk metrics, evaluate policies, and collaborate with cross-functional teams to drive data-driven lending decisions.

Qualifications

• 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.

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.
• Leverage SQL and Python to analyze complex datasets and drive strategy enhancements.
• Partner with cross-functional teams to guide data-driven lending decisions.
• Develop and maintain risk dashboards for real-time reporting.
• Facilitate periodic credit reviews and internal audits to ensure compliance.
• Drive process improvement within the Credit Risk team to boost efficiency.

Skills

SQL

Python

Analytical thinking

Stakeholder management

Problem solving

Attention to detail

Independent work

Tools

Excel

BI tools

Job description

About the Role

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 '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.