Credit Risk Analyst - Merchant Lending

As a Credit Risk Policy, 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. The role will report to the Head of Commercial Risk Policy.

What You Will Do

• Identify credit and fraud risk for merchant businesses to ensure risk is managed within appetite.
• Develop and improve credit acquisition policy for new and existing product including credit score implementation, limit assignment, pricing and tenure to manage delinquency and profitability
• Ensure adherence of policy implementations across departments
• Involvement in internal and external projects for new customer acquisitions
• Regularly conduct experimentation to optimize eligible merchant count
• Develop Credit Decision Engine logic inside the system to ensure alignment with credit and fraud policy

What You Will Need

• Should at least have a minimum of 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 (e.g. 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.

Our Commercial Risk family team currently has 3 members and resides in Jakarta. We collaborate closely with the product, data science and growth team and have been providing financial access to tens of thousands MSMEs in the Gojek ecosystem to help them grow their business and manage their day to day cash flow needs. Our team focus is to manage and mitigate potential risks that come along with credit and fraud risk. 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 random news and personal activities that are of our interest.
About Gojek
Gojek is a Super App. It is one app for ordering food, commuting, digital payments, shopping, hyper-local delivery, and a dozen other products. We are Indonesia’s first decacorn. We are  also the only Southeast Asian startup to be part of Fortune's list of 'Companies That Changed The World.'
Our Mission: To create and scale positive socio-economic impact for our customers, driver-partners, business, and MSMEs.
As of 2018, Gojek processed more than $9 billion in annualized gross transaction value across all markets where it operates - in Singapore, Vietnam, and Indonesia. We have the largest food delivery product in Asia (outside of China) and is the largest payments wallet in Southeast Asia.
Gojek contributed IDR 249 T to the Indonesian economy (equivalent to 2% of Indonesia's GDP in 2020). As of Q1 2021, the Gojek App witnessed over 190mn downloads by customers. The platform has over 2mn Driver Partners & ~900000 Merchant Partners across SEA.
About GoTo Financial
GoTo 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.
Gojek and GoTo Financial are 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.