Underwriting Strategy & Policy Senior Lead - Merchant Lending - #10064
Jakarta
FinTech - Merchant Services – - /
Permanent /
On-site
The Role will support Credit Risk Management for Merchant lending in GoTo (all types - GoModal, ModalToko, GMA). This is a Manager role and will have 2 subordinates (as per current Org structure).
As the first layer, need to support a whitelist process for lending offers (according to business and risk appetite), which will require alignment with external stakeholders and internal business team (GTM). Second layer, to check potential Borrower through a set of real-time checks (credit bureau, scoring) as a risk mitigation step, hence need to have related experience with credit bureau analysis and policy compilation.
As a Manager, need to organize proper task delegation within the team and maintain good collaboration with business and finance stakeholders. Be mindful of Company strategy and OKR achievement.
What You Will Do
- Create & Supervise Whitelist strategy for main Merchant lending subtypes (GoModal, ModalToko)
- Setting up and monitoring UW real-time strategies (Credit Bureau and Scoring checks)
- Related Credit Risk Analysis to calibrate risk Policies as per company’s risk appetite
- Present Credit Risk Status to stakeholders on regular Lending Committee
What You Will Need
- At least 5 years of experience on the related field
- Analytical mindset and data driven approach in decision making
- Technical skills to run analytics - SQL (big query)
- Experience in leading of team (at least 2-3 persons)
About the Team
All team members with 3+ years experience in credit risk management, having analytical skill set, on regular basis we are practicing share of experiences, brainstorming on any kind of credit risk challenges. Trying to build friendly and supportive atmosphere, with dedicative approach for any single employee.
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.
