Operational Risk Specialist

Job ID: MJ000378 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 an Analyst in Business Operations, you are joining Traveloka Financing — a fully competent individual contributor with no direct reports, who independently runs and improves the operational backbone of our risk-control function. You deliver to operational targets and standards with full autonomy over how, and you are accountable for the decisions and course of action within your area, even when the problem is loosely defined and spills into adjacent teams. We are writing a lending playbook for Southeast Asia, and you help build it.

• Responsible for account suspension due to risk assessment result
• Conduct, review, and maintain SLIK (Sistem Layanan Informasi Keuangan) / credit bureau checks for new and existing clients to ensure compliance with financial regulatory standards.
• Monitor, evaluate, and follow up on merchant lending operations, identifying potential credit risks and managing default or delinquency issues.
• Perform thorough due diligence and risk evaluations for incoming account opening requests
• Oversee invoicing processes, manage vendor payments, and serve as the primary liaison for operational communications with external partners and service providers.
• Evaluate current operational workflows, recommend control enhancements, and assist in designing standard operating procedures (SOPs) to mitigate operational losses.
• Investigate operational risk events, document root causes, track remediation actions, and present periodic risk metrics to management.

Job Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Risk Management, or a related field, with a minimum of 3 years of hands-on experience in operational risk, credit risk, or compliance within the financial services or fintech sector.
• Direct experience navigating and interpreting SLIK (OJK) reports and credit bureau databases to evaluate creditworthiness effectively is preferred
• Fluent in both professional Bahasa Indonesia and Business English (both written and verbal) to draft reports and communicate
• Strong interpersonal skills with a proven track record of facilitating seamless communication between different teams
• Solid understanding of Indonesian financial regulations (OJK/BI guidelines), anti-money laundering (AML) standards, and Know Your Customer (KYC) frameworks

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.