Senior Risk Analyst - Merchant Payment

GoTo Group; Daerah Khusus Ibukota Jakarta; On-site; IDR 30,000 - 70,000; Full time

Job summary

Join a forward-thinking company as a Fraud Risk Analyst, where you will play a crucial role in identifying and mitigating fraud risks in a dynamic digital payment ecosystem. This position offers the opportunity to collaborate with various teams, utilizing your strong analytical skills and knowledge of risk solutions to drive impactful strategies. You will be at the forefront of developing innovative risk metrics and solutions that enhance customer experience while ensuring safety and compliance. If you are passionate about data-driven decision-making and thrive in a fast-paced environment, this role is perfect for you.

Qualifications

• 3+ years of experience in fraud risk analysis, especially in payments.
• Strong understanding of risk solutions and product implementation.

Responsibilities

• Analyze fraud risks and develop strategies to mitigate them.
• Build and monitor comprehensive risk metrics for business teams.

Skills

SQL

Google BigQuery

Google Sheets/Excel

Risk Solutions

Digital Payment Risk

Monitoring Tools

Tools

Quick BI

Google Looker

Metabase

Job description

About the Role

We are looking for exceptional fraud risk analysts to identify potential fraud risk, develop mitigating strategies in our expanding business. The role holder will be responsible for delivering on target risk metrics - by analyzing data and implementing risk rules and recommending mitigation plans

What You Will Do

• Key fraud analyst to the business teams for the assigned product lines
• Conducting deep dives, sampling and analysis on risk related issues
• Build comprehensive risk metrics monitoring
• Close monitoring of risk metrics, underlying drivers - and the overall business metrics
• Assess, validate and optimize risk rules - to ensure best outcome of risk/reward and to meet stated risk target metrics
• Develop risk platform solutions that will balance the various requirements from the product lines but yet maintain a holistic view of the customer experience
• Proactively builds trust-based relationships with stakeholders while maintaining the ability to remain objective

What You Will Need

• Able to identify problem, assess issues and recommend solutions both at the strategic and tactical levels - balancing the business vision and practical implementation considerations
• Intermediate proficiency in SQL and cloud-based data platform such as Google BigQuery
• Hands-on experience in Google Sheets/Excel for trend analysis and insight generation to support business decision-making.
• Strong understanding of risk solutions, product implementation - on the business side
• Experience of working with operations, software engineering, and data functions
• 3+ years of related payment risk experience, preferably on the acquiring side and e-wallets is a plus
• Familiar with monitoring tools such as Quick BI, Google Looker, Metabase, etc.
• Digital payment risk experience such as payment gateway process, credit card payment risk, e-money payment risk is a plus

About the Team

We’re a risk-focused, data-driven team supporting digital payment products through deep analysis, rule optimization, and platform improvements. As key fraud analysts to the business teams, we proactively identify and resolve risk-related issues—balancing fraud controls with customer experience.

We build and monitor comprehensive risk metrics, dive into root causes, and collaborate closely with operations, engineering, and product. With strong SQL skills and a sharp business lens, we drive risk solutions that are both strategic and practical—keeping growth safe and sustainable.

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.

GoTo and its business units, including Gojek and GoToFinancial ("GoTo") only post job opportunities on our official channels onour respective company websites and on LinkedIn. GoTo is not liable for any job postings or job offers that did not originate from us. You should conduct your own due diligence to prevent being victims of any fake job scams, if they did not originate from GoTo's official recruitment channels.

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