Senior Risk Analyst - Payment Gateway

GoTo Financial; Jakarta Pusat; On-site; IDR 279,000,000 - 502,200,000; Full time

Job summary

GoTo Financial is seeking a Senior Risk Analyst for Payment Gateway to identify fraud risks, analyze data, and develop mitigation strategies that support growth. You will build risk metrics, validate rules, and work with product, engineering, and compliance teams to balance risk and revenue.

You’ll join a dynamic Merchant Payment Risk team focused on sustainable growth, rigorous analysis, and practical risk controls across the payment ecosystem.

Qualifications

• 3+ years of payment risk experience, esp. gateway, switcher, card and e-money risk.
• Able to identify problems, assess issues and propose solutions at strategic and tactical levels.
• Intermediate SQL and cloud data platforms (Google BigQuery or MaxCompute).
• Hands-on data processing and BI tools (Sheets/Excel, Quick BI, Looker, Metabase) for trend analysis.
• Strong understanding of risk solutions, fraud detection and product implementation.
• Experience developing risk policy with a risk-based approach.
• Experience collaborating with operations, software engineering, business, product, compliance and data teams.
• Ability to prioritise and track progress.

Responsibilities

• Key fraud analyst to the business teams for the payment gateway business line.
• Conduct deep dives, sampling and analysis on risk related issues.
• Build comprehensive risk metrics monitoring and closely monitor risk metrics and drivers.
• Assess, validate and optimize risk rules and requirements for risk/reward targets.
• Develop risk platform solutions balancing product needs with customer experience.
• Proactively builds trust-based relationships with stakeholders while staying objective.

Skills

Risk analysis

Fraud detection

Stakeholder management

Problem solving

Tools

Google BigQuery

MaxCompute

Google Sheets/Excel

Quick BI

Looker

Metabase

Job description

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 of 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 (all while keeping a surprisingly good sense of humor). 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.

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.