Product Manager - Risk
Job Summary
Job Description
We are seeking a Product Manager specializing in Risk for our Buy Now Pay Later & Cash Loan services. You will collaborate with Risk, Engineers, Analysts, Designers, and Project Management to develop and launch new features and products that expand credit access to users. Key responsibilities include building world-class risk solutions in fintech, integrating data sources and risk engines, ensuring technical team understanding of specifications, and maintaining optimal user experience, security, and regulatory compliance. You will also manage stakeholders, gather insights on consumer and merchant needs, and tailor products accordingly.
Must have:
- 3+ years of experience with tech & business teams
- Experience in risk systems (Decision Engine)
- Familiar with industry's best software solutions
- Knowledge of SDLC and testing
- Strong tech fundamentals for risk system integration
- Good understanding of mid-end/back-end architecture
- Good communication skills for regional stakeholders
Good to have:
- UI/UX design experience
- Policy rules implementation
- Risk engine build-up
- Risk scoring model integration
6 skills required
Job Details
About the Role
We as a team provide Buy Now Pay Later & Cash Loan services to empower our clients to use our financial services to achieve financial business goals. We make these features available to other businesses through our partnership with either a set of API services or the feasible Superapp, with an umbrella of services spanning e-commerce, payments, courier services, ride-hailing, food delivery, and other options. You will work closely with Risk, Engineers, Analysts, Designers, and Project management to first help build, and eventually fully own new & exciting features, products & services that will allow us to provide access to credit to many active users.
What You Will Do
- Build and deliver world-class risk solutions in the fintech sector
- Plan, executed & integrated data source and risk engine to our Mid-end services, empowering digital payment for products in the region
- Ensure the tech team understands the specifications to deliver a quality product
- Ensure optimal user experience, security & compliance with regulations
- Stakeholder management & collaboration across the region
- Understand the evolving needs and challenges of the consumer and merchants, and tailor the product to meet those needs
What You Will Need
- At least 3 years of hands-on experience working with tech & business teams, with experience in risk systems (Decision Engine), including but not limited to policy rules implementation, risk engine build-up and risk scoring model integration, etc.
- Familiar with the industry's best software solutions
- Knowledge about SDLC and experience at various stages, including testing, UI/UX design
- Strong Tech fundamentals to bridge our risk system with the go-to-market product
- Good understanding of the mid-end and back-end system architecture
- Good communication skills to communicate with regional stakeholders
About the Team
You will join a team with multi-location offices and a multi-culture environment. The team members here are full of passion and open-minded, the purpose of the team is to Construct and manage an entire set of macro services to support multiple financial businesses.
About GoTo Group
GoTo Group is the largest digital ecosystem in Indonesia with its mission to “Empower Progress’ by offering technological infrastructure and solutions for everyone to access and thrive in the digital economy. The GoTo ecosystem consists of on-demand transportation services, food and grocery delivery, logistics and fulfillment, as well as financial and payment services through the Gojek and GoTo Financial platforms.It is the first platform in Southeast Asia that hosts these crucial cases in a single ecosystem, capturing the majority of Indonesia’s vast consumer household.
About Gojek
Gojek is Southeast Asia’s leading on-demand platform and pioneer of the multi-service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.
About GoTo Financial
GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and GoPayLater and serve businesses of all sizes through Midtrans, Moka, GoBiz Plus, GoBiz, and Selly. With its trusted and inclusive ecosystem of products, GoTo Financial is open to new growth opportunities and aims to empower everyone to Make It Happen, Make It Together, Make It Last.
GoTo and its business units, including Gojek and GoToFinancial ("GoTo") only post job opportunities on our official channels on our respective company websites and on LinkedIn. GoTo is not liable for any job postings or job offers that did not originate from us. You should conduct your own due diligence to prevent being victims of any fake job scams, if they did not originate from GoTo's official recruitment channels.
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About The Company
GoTo is the largest technology group in Indonesia, combining on-demand and financial services through the Gojek and GoTo Financial brands. It is the first platform in Southeast Asia to host these two essential use cases in one ecosystem, capturing a majority of Indonesian consumer household expenditure.
GoTo’s mission is to “Empower Progress” by offering an unparalleled selection of goods and services through a comprehensive merchant and partner network and promoting financial inclusion through its leading payments and financial services business.
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