Credit Risk Policy Analyst - Merchant Lending, Financial Services Platform

About the RoleFasten your helmet and climb aboard if you’re ready to be our Credit Risk Policy Analyst. In this role, you will collaborate with Product Managers, Data Science, Growth, and Risk Analytics teams. Your main responsibility will be to strategically develop and manage credit risk policy to enable the business to grow by acquiring new users and manage the merchant's lending portfolio within risk appetite. With your expertise, you’ll be instrumental in helping to drive our team closer to our ultimate goal of providing financial service access to all Indonesians, ensuring everything they do works in harmony with Gojek’s goals and values.

What You Will Do

• Identify and develop credit and fraud policy lifecycle for merchant businesses to ensure risk is managed within risk appetite
• Provide recommendations to optimize risk-reward balance based on behaviour assessments and other third party sources
• Ensure adherence to policy implementations across departments
• Monitor performance and recommends collection strategies to ensure the portfolio is managed properly within credit and fraud appetite
• Make risk projections, backed with data and reasonable assumptions, to foresee the future business and credit performance, and make necessary recommendations to stakeholders

What You Will Need

• At least 3 years of working experience in credit risk management
• A BS/MS in Business, Engineering, Computer Science, Math, Economics, Statistics, or equivalent experience
• Proficiency with analytic tools common within risk organization (SQL) and experimentation process (A/B testing)
• A design-thinking mindset that can work in increments with the intention to manage and grow the portfolio sustainably

About the TeamOur Commercial Risk family team currently has three members and resides in Jakarta. We collaborate closely with the product, data science, and growing team and have been providing financial access to tens of thousands of MSMEs in the Gojek ecosystem to help them grow their business and manage their day-to-day cash flow needs. Our team's focus is to manage and mitigate potential risks that come along with credit and fraud risks. How do we do this? Through extensive data analytics, credit scoring, and credit/fraud policy-making to ensure we are able to grow sustainably and reach out to even more merchants!Despite how hardworking we may seem, we’re also concerned for each other’s personal growth and well-being, too! Through this WFH, we enjoy doing chill time (through video call :)) on a weekly basis to share news and personal activities that be of interest and we also enjoy sharing ideas and learnings with each other. About GoTo FinancialGoTo Financial brings secure, reliable, and user-friendly financial solutions to over 55 million monthly active users, more than 14 million merchants, and over 2.5 million driver-partners eager to benefit from the digital economy in the GoTo ecosystem.GoTo Financial’s consumer services include GoPay, GoPayLater, and other financial services. We also serve businesses of all sizes through leading payment gateway Midtrans, Indonesia’s largest cloud POS network Moka and GoKasir. We also have the all-in-one merchant solution GoBiz, GoBiz Plus, GoStore, and Selly - available in Indonesia and Southeast Asia.GoTo Financial is committed to building a diverse and inclusive workplace and are equal opportunity employers. We do not discriminate on the basis of race, religion, national origin, gender, gender identity, sexual orientation, disability, age, education status, or any other legally protected status.