Risk Manager

This role is central to the Credit Risk Strategy function, focusing on account management strategy for merchant lending products like Gopay Pinjam Modal (GPPM) and Toko Kapital. The Risk Manager will manage the account management process, including limit management and strategy for existing users. This involves learning internal risk frameworks, building stakeholder relationships, and contributing to risk reporting and strategy execution to impact portfolio quality, credit performance, and operational efficiency. The role is a key member of the Credit Risk team, driving merchant account management strategy and safeguarding portfolio health while balancing business growth with risk mitigation through data analysis.

Must Have

• Monitor merchant portfolio for credit and operational risk signals.
• Execute the limit strategy framework and deliver continuous strategy improvement through experiment tests.
• 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.

About the Role

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. The person will be expected to manage the account management process such as limit management and strategy for existing users. In order to support the deliverables, this person is also expected to quickly learn internal risk frameworks, establish relationships with key business stakeholders, and contribute to risk reporting and strategy execution, ultimately impacting portfolio quality, credit performance, and operational efficiency.

What You Will Do

• Monitor merchant portfolio for credit and operational risk signals.
• Execute the limit strategy framework and deliver the continuous strategy improvement by doing (but not limited to) experiment tests periodically.
• Monitor and make sure the effectiveness of the current credit risk policy, and execute the strategy by 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.

What You Will Need

• 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.

About the Team

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.