Job Posting Date2026.06.26 Job TypeRegular TeamCorporate Functions
Location
BSD City, Indonesia About TravelokaTraveloka is Southeast Asia’s leading all-in-one travel platform connecting millions globally with trusted, world-class experiences. With over 140 million app downloads and more than 40 million monthly active users, Traveloka stands as one of the most popular travel apps in the region.
Job Description
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Job ID: MJ000231
Responsibilities
Data Analytics & Model Enhancement
- Advanced Fraud Analytics: Conduct deep-dive data analytics on the PayLater portfolio to detect shifting behavioral patterns and transaction trends among high-risk or fraudulent users, directly contributing to the optimization of fraud detection models.
Investigation & Loss Mitigation
- Incident Investigation & Countermeasures: Analyze complex TPayLater fraud cases at scale to design actionable countermeasures, implement robust fraud rules, and recommend product-level fixes.
- Financial Recovery: Execute strategic asset recovery actions to minimize actual or potential financial losses while actively supporting Gross Booking Value (GBV) growth.
Process & Framework Optimization
- Framework Improvement: Continuously evaluate and refine early investigation frameworks across the PayLater ecosystem, payments, and the broader platform to enhance operational efficiency.
Compliance, KYB & Stakeholder Management
- Regulatory & External Relations: Serve as the primary point of contact for fraud-related inquiries, delivering precise and timely responses to regulators (OJK), law enforcement agencies, and internal product teams.
- Risk Mitigation (KYB/KYE): Execute rigorous Know Your Business (KYB) checks for merchants to secure the lending space, and manage internal Know Your Employee (KYE) reporting compliance.
Intelligence & Awareness
- Fraud Intelligence: Perform proactive intelligence-gathering to uncover emerging fraud modus operandi and preemptively intercept risks.
- Customer Awareness: Partner with social media and cross-functional teams to design and drive customer-facing fraud awareness initiatives.
Requirements
- Have minimum 7 years’ experience in Fraud Investigation/Management in unsecured personal loan/BNPL. Some experience in card payments fraud and/or chargeback handling is highly appreciated.
- Proficient understanding of OJK regulations, fraud landscape in BNPL, and with credit-related fundamentals.
- Fluency in data analytics and comfortable in presenting findings and patterns backed with data; detail oriented and vigorous pattern-recognition; able to move fast with imperfect data.
- Bachelor’s degree in any major, preferably in STEM from a reputable university with minimum GPA of 3.5 on a 4.0 scale.
- Demonstrated experience working horizontally cross-functions and vertically.
- Proven track record building and owning P&L; comfortable with end-to-end accountability target-setting to variance resolution.
- Good interpersonal and communication skill, comfortable translating between technical and business terms.
- Fluency in English both in written & verbal.
- Honest and ethical with high levels of integrity and confidentially.
- Comfortable with ambiguity and iterative approach.
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