Senior Risk Analyst - Payment Gateway

GoTo Group; Daerah Khusus Ibukota Jakarta; On-site; IDR 519,930,675 - 866,551,126; Full time

Job summary

GoTo Group is seeking a Senior Risk Analyst for its Payment Gateway division in Jakarta, Indonesia. This role involves identifying potential fraud risks, supporting business growth through strategic analysis, and developing solutions that balance risk and customer experience. Required qualifications include 3+ years in payment risk, SQL proficiency, and experience with business intelligence tools. Join an energetic team focused on smart risk-taking and sustainable growth.

Qualifications

• 3+ years of experience in payment risk analysis, especially in payment gateways.
• Strong capability in identifying risks and developing mitigation strategies.
• Hands-on experience with business intelligence tools for data insights.

Responsibilities

• Conduct deep dives and analysis on payment-related risk issues.
• Build and monitor comprehensive risk metrics for business processes.
• Develop and optimize risk rules to achieve stated risk targets.

Skills

Payment risk analysis

Fraud detection solutions

SQL proficiency

Data processing

Reporting tools

Tools

Google BigQuery

Excel

Google Looker

Job description

About the Role

As a Senior Risk Analyst for Payment Gateway, you’ll play a key role in identifying potential fraud risks and developing effective mitigation strategies as our business continues to grow. You’ll work with data to spot patterns, build and refine risk rules, and recommend action plans that help keep our risk metrics on target while supporting healthy business expansion.

What You Will Do

• Key fraud analyst to the business teams for the payment gateway business line
• Conducting deep dives, sampling and analysis on risk related issues
• Build comprehensive risk metrics monitoring and closely monitor risk metrics, underlying drivers - and the overall business metrics
• Assess, validate and optimize risk rules and requirements - 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

• 3+ years of related payment risk experience, preferably on the payment gateway and switcher covering payment gateway process, credit card payment risk and e-money payment risk is a plus
• 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 or MaxCompute
• Hands-on experience in data processing and business intelligence tools (ie. Google Sheets/Excel, Quick BI, Google Looker, Metabase, etc) for trend analysis and insight generation to support business decision-making.
• Strong understanding of risk solutions, advanced fraud detection solutions, product implementation - on the business side
• Experience developing risk policy with risk-based approach
• Experience of working with operations, software engineering, business, product, compliance, and data functions
• Ability to create prioritisation and track progress

About the Team

You’ll join the Merchant Payment Risk team—an energetic group that constantly balances smart risk-taking with sustainable growth. We challenge assumptions, ask tough questions, and solve problems to drive real impact. If you enjoy sharp discussions, thoughtful debates, and the occasional “aha!” moment, you’ll feel right at home. We’re genuinely excited about the possibility of having you on board.

GoTo and its business units, including Gojek and GoToFinancial ("GoTo") only post job opportunities on our official channels on our 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.