Fraud Investigation Analytics Lead

• Advanced Fraud Analytics:Conduct deep-dive data analytics on the Pay Later portfolio to detect shifting behavioral patterns and transaction trends among high-risk or fraudulent users, directly contributing to the optimization of fraud detection models.
• Incident Investigation & Countermeasures:Analyze complex TPayLater fraud cases at scale to design actionable countermeasures, implement robust fraud rules, and recommend product-level fixes.
• Financial Recovery:Execute strategic asset recovery actions to minimize actual or potential financial losses while actively supporting Gross Booking Value (GBV) growth.

• Framework Improvement:Continuously evaluate and refine early investigation frameworks across the Pay Later ecosystem, payments, and the broader platform to enhance operational efficiency.

• Regulatory & External Relations:Serve as the primary point of contact for fraud-related inquiries, delivering precise and timely responses to regulators (OJK), law enforcement agencies, and internal product teams.
• Risk Mitigation (KYB/KYE):Execute rigorous Know Your Business (KYB) checks for merchants to secure the lending space, and manage internal Know Your Employee (KYE) reporting compliance.
• Fraud Intelligence:Perform proactive intelligence-gathering to uncover emerging fraudmodus operandiand preemptively intercept risks.
• Customer Awareness:Partner with social media and cross-functional teams to design and drive customer-facing fraud awareness initiatives.

• Have minimum 7 years experience in Fraud Investigation/Management in unsecured personal loan/BNPL. Some experience in card payments fraud and/or chargeback handling is highly appreciated.
• Proficient understanding of OJK regulations, fraud landscape in BNPL, and with credit‑related fundamentals.
• Fluency in data analytics and comfortable in presenting findings and patterns backed with data; detail oriented and vigorous pattern‑recognition; able to move fast with imperfect data.
• Bachelor’s degree in any major, preferably in STEM from a reputable university with minimum GPA of 3.5 on a 4.0 scale.
• Demonstrated experience working horizontally cross-functions and vertically.
• Proven track record building and owning P&L; comfortable with end-to-end accountability target-setting to variance resolution.
• Good interpersonal and communication skill, comfortable translating between technical and business terms.
• Honest and ethical with high levels of integrity and confidentially.
• Comfortable with ambiguity and iterative approach.

Traveloka () is a tech startup based in Jakarta. We aim to revolutionize Indonesian travel marketplace and make it more accessible to travelers across the country. Since it is a mammoth of a task, we'd love to have talented people from diverse backgrounds who can help us achieve our mission. We are committed to building a dynamic workplace where people truly enjoy their work and feel that they can really have an impact.

Traveloka () is a tech startup based in Jakarta. We aim to revolutionize Indonesian travel marketplace and make it more accessible to travelers across the country. Since it is a mammoth of a task, we'd love to have talented people from diverse backgrounds who can help us achieve our mission. We are committed to building a dynamic workplace where people truly enjoy their work and feel that they can really have an impact.