Job ID: MJ000326

About Traveloka

Traveloka is Southeast Asia's leading travel and lifestyle super-app. We connect tens of millions of travellers across the region with flights, hotels, experiences, financial services, and more — all from a single platform. Since our founding in 2012, we have expanded to eleven markets, processed billions of dollars in transactions, and built one of the most recognised consumer brands in the region.

We move fast because the region demands it. Southeast Asia is young, mobile-first, and growing faster than almost anywhere else on earth. We are not transplanting a Western playbook — we are writing a new one, from scratch, for a market that does not look like anywhere else — and we are calling for people who want to be part of that.

About the Team

Lending makes travel accessible — but only if we lend wisely. The Risk Control team inside Financing decides who we say yes to, on what terms, and how we keep losses in check while still letting customers book the trip they want. We work across Southeast Asian markets where credit data is thin, behaviour shifts fast, and every country plays by different rules, so there is no off-the-shelf model to copy. We build our own.

Here you turn raw signals into approval and collection strategies that move real numbers. You will:

• Investigate fraud and default patterns, then design the rules and limits that stop them
• Translate portfolio performance into decisions credit and product teams act on
• Sharpen the operational playbooks that keep risk tight as we scale across the region

If you like proving your judgement against live outcomes, this is your team.

About the Job

As a Business Operations specialist, you are joining Traveloka Financing — a senior individual contributor with no direct reports who the function turns to on its hardest risk-control problems. You develop and implement operational plans tied to Risk Control's Must Win Battles, with direct impact on the domain's overall results, and you tackle genuinely complex problems where the right answer weighs operational and financial impact together. You enhance how the domain operates through expertise and influence, not by leading a team.

• Lead credit risk initiatives such as portfolio tightening/loosening: sizing the expected credit impact and helping shape the rollout.
• Maintain the NPL forecast, keeping it accurate and up to date as portfolio and business conditions evolve.
• Regularly monitor key credit risk and portfolio indicators, and quickly flag any deterioration in credit performance.
• Analyze policy for improvement opportunities, and when credit performance deteriorates, investigate the root cause to keep the portfolio healthy.
• Work closely with the Product team to assess the risk of new initiatives with sufficient challenge, while recommending practical mitigation actions.
• Partner with other teams to manage risk-related projects, including third-party engagements, keeping the user journey and customer needs in mind.
• Take a pro-active role in supporting business growth, balancing short-term results with the long-term health of the portfolio.
• Conduct quantitative and qualitative analysis  planned or ad hoc, independently or with the data team to answer credit risk questions.
• Take on a broader role in credit model development and risk strategy formulation, partnering with the credit risk and data teams to keep models predictive and strategies effective.
• Take an active role in ongoing projects.

Job Requirements

• 2–3 years of experience in financial analytics, portfolio management, and/or credit policy.
• Experience in credit model development and risk strategy formulation.
• Familiarity with credit risk initiatives such as NPL forecasting and policy tightening/loosening.
• Proven ability to build senior level presentations and complex reports that stay clear and easy to follow.
• Fluent in both Bahasa Indonesia and English.
• Strong command of a statistical/analytical tool (e.g., SQL) or equivalent.
• Solid background in financial analysis and portfolio management, with strong analytical skills.
• Experience in credit scoring development.
• Experience with SLIK or credit bureau reporting is a plus.
• Self-starter who adapts to change, delivers on time, and is proactive, meticulous, and self-motivated

Join Us

If you have read this far and felt something click — the problem, the scale, the moment — we would like to hear from you.

We review every application. If your background is a strong fit, you will hear from us within 5 business days.

We are building the kind of company where strong people choose to stay because the work keeps getting bigger and better. If that is what you are looking for, apply.