Senior Risk Analyst - Merchant Payment
Job Summary
Job Description
We are seeking experienced fraud risk analysts to identify potential fraud risks and develop mitigation strategies for our growing business. The role involves analyzing data, implementing risk rules, and recommending mitigation plans to achieve target risk metrics. Responsibilities include acting as a key fraud analyst for business teams, conducting deep dives and sampling on risk issues, building and monitoring risk metrics, assessing and optimizing risk rules, and developing risk platform solutions. The ideal candidate can identify problems, assess issues, and recommend solutions at both strategic and tactical levels, balancing business vision with practical implementation. Strong proficiency in SQL and cloud-based data platforms like Google BigQuery is required, along with hands-on experience in Google Sheets/Excel for trend analysis. A strong understanding of risk solutions and product implementation from a business perspective, as well as experience collaborating with operations, software engineering, and data functions, is essential. Previous experience in payment risk, particularly on the acquiring side or with e-wallets, is a plus, as is familiarity with monitoring tools like Quick BI, Google Looker, or Metabase. Experience in digital payment risk, including payment gateway processes and credit card or e-money payment risk, is also beneficial.
Must have:
- Identify problems, assess issues, recommend solutions
- Intermediate SQL and Google BigQuery proficiency
- Hands-on Google Sheets/Excel for trend analysis
- Strong understanding of risk solutions/product implementation (business side)
- Experience with operations, engineering, data functions
- 3+ years payment risk experience
- Familiarity with monitoring tools (Quick BI, Looker, Metabase)
Good to have:
- Acquiring side payment risk experience
- E-wallets payment risk experience
- Digital payment risk experience
- Payment gateway process knowledge
- Credit card payment risk knowledge
- E-money payment risk knowledge
8 skills required
Job Details
About the Role
We are looking for exceptional fraud risk analysts to identify potential fraud risk, develop mitigating strategies in our expanding business. The role holder will be responsible for delivering on target risk metrics - by analyzing data and implementing risk rules and recommending mitigation plans
What You Will Do
- Key fraud analyst to the business teams for the assigned product lines
- Conducting deep dives, sampling and analysis on risk related issues
- Build comprehensive risk metrics monitoring
- Close monitoring of risk metrics, underlying drivers - and the overall business metrics
- Assess, validate and optimize risk rules - to ensure best outcome of risk/reward and to meet stated risk target metrics
- Develop risk platform solutions that will balance the various requirements from the product lines but yet maintain a holistic view of the customer experience
- Proactively builds trust-based relationships with stakeholders while maintaining the ability to remain objective
What You Will Need
- Able to identify problem, assess issues and recommend solutions both at the strategic and tactical levels - balancing the business vision and practical implementation considerations
- Intermediate proficiency in SQL and cloud-based data platform such as Google BigQuery
- Hands-on experience in Google Sheets/Excel for trend analysis and insight generation to support business decision-making.
- Strong understanding of risk solutions, product implementation - on the business side
- Experience of working with operations, software engineering, and data functions
- 3+ years of related payment risk experience, preferably on the acquiring side and e-wallets is a plus
- Familiar with monitoring tools such as Quick BI, Google Looker, Metabase, etc.
- Digital payment risk experience such as payment gateway process, credit card payment risk, e-money payment risk is a plus
About the Team
We’re a risk-focused, data-driven team supporting digital payment products through deep analysis, rule optimization, and platform improvements. As key fraud analysts to the business teams, we proactively identify and resolve risk-related issues—balancing fraud controls with customer experience.
We build and monitor comprehensive risk metrics, dive into root causes, and collaborate closely with operations, engineering, and product. With strong SQL skills and a sharp business lens, we drive risk solutions that are both strategic and practical—keeping growth safe and sustainable.
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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