GoTo Financial - Risk Manager

Overview

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This role is central to our Credit Risk Strategy function, focusing on account management 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.

• Monitor merchant portfolio for credit and operational risk signals.
• Execute the limit strategy framework and deliver continuous strategy improvement through tests and experiments.
• Monitor and ensure the effectiveness of the current credit risk policy and execute the strategy using a decision engine.
• Collaborate with business teams to support lending decisions.
• Execute account-level interventions to mitigate emerging risks.
• Maintain accurate records and risk dashboards for reporting purposes.
• Support periodic credit reviews and internal audits.
• Contribute to process improvement initiatives within the Credit Risk team.

• Strong analytical and problem-solving skills.
• Understanding of credit risk principles and lending products.
• Experience with data analysis tools (SQL, 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.
• Proactive mindset to identify and resolve risk issues.
• Adaptability to work in a fast-paced and dynamic environment.

This role is a key member of the Credit Risk team, driving the merchant account management strategy and safeguarding portfolio health while ensuring compliance with risk policies. A major focus is balancing business growth with risk mitigation through the analysis of complex merchant and transaction data. The position is based at PT Mapan Global Reksa (Findaya) in Jakarta, supporting our cash loan business alongside two local Risk teammates who focus on risk strategy and regulatory reporting.

The broader Risk division spans offices in Shanghai, Chengdu, and Singapore, offering opportunities for cross-border collaboration and exposure to diverse markets.

GoTo Group is the largest digital ecosystem in Indonesia with a 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 services in a single ecosystem, capturing the majority of Indonesia’s vast consumer households.

GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and Go Pay Later  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.

Note:

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