Finance à France

About the role

Optimizing the Risk-Rewards Balance to support the achievements of GoFinance Organizational Objective within the boundaries of Credit and Fraud Risk for Merchant lending products. You will focus on driving the optimization of Risk adjusted return and writing the boundaries of sustainable portfolio growth.

• Formulate credit risk policy for merchant lending, from whitelist strategy, credit underwriting, loan assessment as well as limit management.
• Continuously monitor and manage the achievement of Risk Appetite metrics.
• Ensure the effectiveness of currently prevailing credit risk policy/processes together with all the other relevant stakeholders.
• Lead cross-functional alignment to ensure that Credit and Fraud Risk policies and processes are applied consistently and thoughtfully as the organization continues to scale. This will include alignment with any parties within the GoTo ecosystem.

• In depth knowledge of Merchant lending credit and fraud risk factors.
• Strong business acumen.
• Excellent project management skills.
• People leadership and effective stakeholder management.
• Effective articulation of thoughts in both English and Bahasa.
• Prior experience in Fintech Lending is a huge plus.

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.