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Lead Consumer Lending Policy - 8134

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About the Role

As a Head/Senior Manager of Credit Risk Policy and Portfolio Management, you will manage a team (size small to medium) and lead the credit risk initiatives as well as the relevant analytics required to ensure portfolio will be performing as per the expected quality. You will also collaborate with Product Managers, Data Science, and Growth teams and be the key PIC for Risk for portfolio that you will manage. 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, as well as maintain compliance with credit risk scope as per OJK regulations. 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 Consumer Lending Risk.

What You Will Do

  • Develop and improve credit policy based on behavior assessments and other third-party sources to optimize portfolio management strategy
  • Ensure adherence to policy implementations across departments
  • Monitor performance and recommends collection strategies to ensure portfolio is managed properly within credit and fraud appetite
  • Manage small to medium size of risk team that will support the areas of responsibilities
  • Supervise the regular conduct of experimentation to optimize portfolio performance and limit utilization
  • Make risk projections, backed with data and reasonable assumptions, to foresee future business and credit performance, and make necessary recommendations to stakeholders. 
  • Oversee the develop Credit Decision Engine logic inside the system to ensure alignment with credit and fraud policy
  • Front facing to OJK as senior representative of the entity with capability to provide overview, updates, and respond to OJK inquiries to the entity
  • Deep knowledge of OJK regulations for peer-to-peer, to have an understanding of other financial service industry regulations would be a plus

What You Will Need

  • WNI
  • Bachelor's Degree in Business, Engineering, Computer Science, Math, Economics, Statistics, or equivalent experience
  • Should at least have a minimum of 8 years of working experience in credit risk management within Multi Finance or Banking
  • Proficiency with analytic tools common within risk organizations (e.g. SQL) and experimentation processes (A/B testing)
  • A Design-thinking mindset that can work in increments with the intention to manage and grow the portfolio sustainably
  • Deep knowledge of OJK regulations for peer-to-peer, to have an understanding of other financial service industry regulations would be a plus
About the Team

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 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.
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Jenis kontrak
Full Time
Tanggal posting
17 Januari, 2023