Junior Fraud Analyst - Risk Platform

Analyze data to identify emerging trends and patterns of fraud and abuse, working to mitigate associated risks.Engage with various internal teams such as Risk, Data Science, Engineering, and Product Management to ensure the effective implementation of fraud prevention measures and detection strategies.Define and enhance operational fraud metrics for long-ter…

Oversee the creation, advancement, and implementation of machine learning models aimed at risk scoring, fraud detection, and behavioral insights.Lead in feature engineering, model training, and monitoring pipelines utilizing extensive datasets.Collaborate with the Data Engineering team to construct and sustain a robust data infrastructure.Guide and mentor a team of data scientists and engineers, upholding exceptional standards in model accuracy, interpretability, and governance.Convert intricate business challenges into data-driven solutions and effectively communicate technical findings to stakeholders.Direct model validation, backtesting, and performance assessments for both new and existing models.Establish and enforce data quality checks, pipelines, and governance protocols.

Role Overview Grab is looking for a Senior Data Scientist (Analytics) to join the analytics team in Jakarta. This position focuses on using data analysis and modeling to support business decisions and improve services. What You Will Do Apply advanced analytics and modeling techniques to guide business strategy and operations. Mentor junior data scientists, offering guidance and support on technical and project matters. Work closely with cross-functional teams to design and implement data-driven solutions. Location This role is based in Jakarta.

Join Amar Bank as a Senior Data Scientist, where you will play a pivotal role in advancing our strategic objectives to enhance data-driven lending practices. In this position, you will focus on improving model governance and expanding our outreach to new customer demographics. Your expertise will be essential in optimizing credit scoring models that contribute to our growth and operational excellence.

About the RoleAmartha is a leading fintech company in Indonesia, dedicated to empowering underbanked women entrepreneurs in rural regions through innovative financial services. We believe that achieving financial inclusion is crucial for fostering a sustainable economy that benefits the entire nation.We are on the lookout for a Senior Data Scientist to enhance our dynamic team. In this pivotal role, you will leverage your expertise in data wrangling and advanced problem-solving to address tangible business challenges. You will collaborate with a diverse group of stakeholders, including business specialists, product leaders, and skilled engineers.Join a team of exceptional data scientists who bring a wealth of knowledge in data engineering, machine learning, AI engineering, data warehousing, and data analysis. At Amartha, we prioritize mindset and adaptability just as much as technical proficiency.ResponsibilitiesEngage with stakeholders from business, engineering, and product teams to comprehend their requirements and create effective data solutions that align with business objectives.Design and implement data pipelines to transform transactional data into analytical models.Collaborate with business stakeholders to clarify complex business issues and approach them with a scientific mindset.Extract and process raw data, employing scientific methods to analyze risks and opportunities, translating them into actionable insights.Partner with data engineers, product teams, and business units to develop scalable data products for millions of users.Create data science frameworks that empower fellow data scientists and non-technical personnel to simplify their analytical processes.Draft a data product roadmap and break it down into manageable deliverables that can be quickly released and tested.Lead a small team of data scientists in tackling medium to large-scale projects.Promote a data-driven culture within the organization.RequirementsA Bachelor’s or Master’s degree in engineering or a quantitative discipline.Proficient in SQL for data extraction from databases.Skilled in scripting for data analysis using Python or R, and effectively presenting results through data visualizations.Ability to systematically address ambiguous business problems.Experience in rapid experimentation to test business hypotheses effectively.Strong blend of business acumen and statistical methods to derive actionable insights from raw data.Capability to communicate complex concepts clearly to non-technical audiences and navigate from strategic to operational discussions effortlessly.Resilient in the face of uncertainties and new challenges, with the ability to maintain clarity under pressure.Previous experience in deploying end-to-end machine learning solutions in production is advantageous.

Join Grab Financial Services as a Senior Data Scientist (Analytics) where you will leverage your expertise in data analytics to drive impactful business decisions. In this role, you will collaborate with cross-functional teams to analyze complex datasets and develop predictive models to enhance our services. If you're passionate about data-driven decision-making and thrive in a fast-paced environment, we want to hear from you!

Join Grab as a Credit Risk Manager in Jakarta, where you will be at the forefront of our financial strategy. In this role, you will analyze credit data, assess creditworthiness, and develop risk models to safeguard our financial interests. Collaborate with cross-functional teams to enhance our credit evaluation processes and contribute to our mission of driving Southeast Asia's digital economy.

Amartha is a pioneering technology firm dedicated to fostering shared prosperity through innovative digital financial solutions aimed at empowering the grassroots economy. Established in 2010 as a microfinance institution, Amartha plays a crucial role in linking rural, women-led micro-enterprises with accessible capital. As we evolve into a tech-centric company, we are developing a comprehensive microfinance ecosystem that integrates with the expanding digital economy through capital, investment, and payment services. By enhancing the competitiveness of micro and small entrepreneurs, Amartha is committed to empowering women-led MSMEs, generating employment opportunities, and driving inclusive economic growth.About The RoleThe Enterprise Risk Management (ERM) Specialist will play a vital role in shaping and refining the ERM framework, spearheading the implementation of risk management strategies, policies, and tools to effectively manage risk across the organization. This includes ensuring adherence to regulatory standards, serving as the secretary for key risk committees (KMR and KPR), and supporting the Board of Directors and Commissioners by preparing timely meeting materials, monitoring action plans, and providing essential updates. The role also encompasses the continuous monitoring of Key Risk Indicators (KRIs) and the Risk Appetite Statement, alongside advising the Board in the event of any breaches.Responsibilities:Develop and enhance the ERM framework while implementing risk strategies, policies, and procedures to identify, assess, mitigate, monitor, and report risks, ensuring compliance with regulatory requirements.Act as the secretary for risk committees (KMR, KPR), facilitating active oversight from the Board of Directors and Commissioners. Prepare meeting materials and minutes efficiently, monitor action plans, and provide necessary data and updates to senior management.Regularly update and monitor Key Risk Indicators (KRI) and the Risk Appetite Statement, ensuring proper escalation and advisory to the Board in case of breaches.Prepare comprehensive internal and external regulatory risk reports and conduct timely risk assessments, including annual health reports and associated documentation.Scope: Addressing 8 different types of risks impacting the organization.Responsibilities include reviewing parameters and ratios, offering expert advice on risk ratings, and recommending risk management strategies, including mitigation and action plans.Objective: To equip senior management with a clear understanding of the organization’s risk profile for informed decision-making.Provide guidance and support to business units regarding risk-related matters, including the development...

At Amartha, we are dedicated to fostering shared prosperity through innovative digital financial solutions tailored for the grassroots economy. Established in 2010 as a microfinance institution, Amartha bridges the gap between rural, women-led micro-enterprises and accessible capital. As we expand our vision as a tech-forward company, we are creating a comprehensive microfinance ecosystem that seamlessly integrates with the burgeoning digital economy through capital, investment, and payment services. By enhancing the competitiveness of micro and small entrepreneurs, we empower women-led MSMEs, generate employment opportunities, and promote inclusive economic growth.About The Role The Operational Risk Management (ORM) Lead will play a pivotal role in refining and enhancing our ORM framework. This includes implementing robust strategies, policies, and tools such as RCSA, LED, KRI, stress testing, BCP testing, BIA, and Branch Operations QA to effectively manage risks and ensure compliance with regulatory standards. The position also entails timely reporting and escalation of risk issues and action plans to committees like KMR and KPR, supporting oversight by the Board of Directors and Commissioners. Furthermore, the role involves monitoring the Risk Appetite Statement, addressing any breaches, preparing internal and external risk reports, and conducting comprehensive risk assessments. You will also provide guidance and support to business units in managing risks, particularly during the launch of new products, activities, or policy adjustments.

Join PayJoy as a Credit Risk DirectorAt PayJoy, we are driven by our mission to empower underserved customers in emerging markets to achieve financial stability. Our innovative technology for secured credit paves the way for new customers to access the credit system. With our point-of-sale financing and card offerings, we enhance our customers' quality of life, enabling them to embrace opportunities as micro-entrepreneurs and providing them with a safety net during challenging times. Leveraging state-of-the-art machine learning, data science, and anti-fraud AI, we have positively impacted over 18 million customers as of 2025, all while ensuring sustainable profitability.Your RoleWe are seeking a visionary Credit Risk Director to establish and lead the credit risk function for PayJoy Indonesia. This pivotal leadership position involves shaping the credit risk strategy from inception, identifying key challenges, and taking personal responsibility for the portfolio's performance at the country level. As a prominent global FinTech company, we are enthusiastic about expanding our operations in Indonesia, where our mission of providing financial services to the next billion aligns seamlessly with local market needs.Your journey will begin with hands-on initiatives — drafting policies, conducting analyses, and managing regulatory relationships. Once we achieve economic scale, you will have the opportunity to build and lead a dedicated team. The ideal candidate will possess both the technical expertise to analyze data and the strategic mindset to set the direction for a market. This role is uniquely designed for someone who thrives on creating and implementing effective strategies.

Control Risks is looking for a Security Lead based in Jakarta, Indonesia. This position plays a key role in developing security strategies and ensuring the safety of both operations and personnel across the region. Role overview The Security Lead partners directly with clients to assess risks and implement practical security solutions. The work involves evaluating potential threats and recommending actions that help safeguard people and assets. What you will do Shape and refine security strategies for regional operations Work closely with clients to understand their security needs Identify risks and recommend effective security measures Location This role is based in Jakarta, Indonesia.

Join Cermaticom as a Retail Credit Risk Analytics & Modelling Manager, where you will lead a dynamic team in developing innovative credit risk models. Your expertise will play a crucial role in shaping our risk strategy and enhancing decision-making processes. You will work closely with cross-functional teams, leveraging data analytics to drive insights and improve our retail credit offerings.

Amartha is an innovative technology company dedicated to fostering shared prosperity through the development of digital financial solutions tailored for the grassroots economy. Established in 2010 as a microfinance institution, Amartha bridges the gap between rural, women-led micro-enterprises and accessible capital. As Amartha evolves into a comprehensive tech company, it is building a microfinance ecosystem that integrates with the expanding digital economy via capital, investment, and payment services. By enhancing the competitiveness of micro and small businesses, Amartha empowers women-led MSMEs, generates employment opportunities, and promotes inclusive economic growth.About The Team:This pivotal role is responsible for spearheading the organization’s risk management strategy, focusing on the identification, assessment, mitigation, and reporting of operational and enterprise-wide risks. The position establishes and upholds a robust risk framework, delineates risk appetite, enforces strong internal controls, and cultivates a proactive risk culture throughout all business units. Collaborating closely with senior leadership, this role offers insights on emerging risks, regulatory standards, and business continuity planning, ensuring adherence to relevant policies. Through strategic oversight, effective governance, and strong stakeholder engagement, this position is essential in fortifying organizational resilience and advancing long-term strategic goals.Responsibilities:1. Enterprise Risk Management (ERM) Strategy & FrameworkDevelop, implement, and sustain the organization's enterprise risk management framework.Define risk appetite, tolerance levels, and key risk indicators (KRIs) in alignment with strategic objectives.Lead the annual enterprise-wide risk assessment and coordinate comprehensive risk reporting to senior management and the board.2. Operational Risk GovernanceOversee the operational risk management program, focusing on risk identification, assessment, monitoring, and mitigation.Implement and manage tools such as RCSA (Risk & Control Self Assessments), incident management, and root-cause analysis.Foster a strong risk culture across all business units.3. Risk Policies, Procedures & ControlsDesign and maintain risk management policies, standards, and procedures.Ensure consistent application of controls and risk methodologies organization-wide.Monitor compliance with internal policies and external regulatory requirements.4. Risk Monitoring, Reporting & AnalyticsDeliver timely, accurate, and insightful risk reports to executives, risk committees, and the board.Leverage analytics, dashboards, and scenario analysis to evaluate emerging risks and trends....

At Amartha, we are a pioneering technology firm dedicated to fostering shared prosperity through innovative digital financial solutions tailored for the grassroots economy. Established in 2010, we began as a microfinance institution connecting rural, women-led micro-enterprises with accessible capital. As we evolve into a tech-centric organization, we're committed to building a comprehensive microfinance ecosystem that integrates with the burgeoning digital economy via capital, investment, and payment services. Our mission is to enhance the competitiveness of micro and small enterprises, empowering women-led MSMEs, generating employment, and promoting inclusive economic growth.About The TeamThe Director of Risk Quality Assurance will spearhead the establishment and direction of an autonomous quality assurance function, ensuring the efficacy, consistency, and compliance of risk management practices throughout the organization. This role encompasses overseeing the assessment and validation of credit, operational, fraud, and compliance risk processes, ensuring they align with internal policies, external regulations, and industry benchmarks.Acting as a pivotal second/third line of defense, this position provides senior management and regulatory bodies with assurances that risk controls, underwriting standards, and decision-making frameworks are sound, uniformly executed, and subject to continuous enhancement. The Director will champion risk governance, audit preparedness, and standardization of processes while collaborating closely with the Risk, Compliance, Internal Audit, and Business teams.

We are seeking a dedicated IT Governance, Risk, and Compliance (GRC) Specialist to enhance our IT GRC framework at Amar Bank. This pivotal role involves fortifying our IT risk management processes, ensuring adherence to regulatory standards, and preparing for audits to maintain compliance. You will be responsible for managing IT risk activities, developing and updating Standard Operating Procedures (SOPs), and reinforcing our internal governance structures to align with regulatory mandates.

Join Cermaticom as the IT Security & Governance Risk Compliance (GRC) Lead/Manager and play a crucial role in safeguarding our digital landscape. You will be responsible for developing and implementing robust security policies, ensuring compliance with regulatory standards, and leading a team of IT security professionals. This position offers an exciting opportunity to shape our security strategy and enhance our risk management framework.

Join Our Dynamic TeamAt Grab Financial Group (GFin), we are pioneering the evolution of payments and lending across Southeast Asia. Our mission is to empower individuals and businesses, spanning from consumers and drivers to everyday entrepreneurs, by fostering financial inclusion for those underserved.Your Role in Our VisionAs the Assistant Manager of Risk Policy, you will be instrumental in developing, implementing, and maintaining robust risk management policies and frameworks that are in line with our strategic objectives and regulatory requirements. You will spearhead enterprise-wide risk initiatives that enhance our risk posture and facilitate sustainable business growth.This role reports directly to the Senior Manager of Risk Policy, and you will work onsite at our Jakarta office.Your Key ResponsibilitiesServe as the subject matter expert (SME) for fraud risk policies related to payments (including cards, wallets, and alternative payment methods) and lending (such as Paylater, cash loans, and Buy Now, Pay Later).Launch regional policy initiatives, projects, and frameworks designed to mitigate risk and fraud across new and existing product offerings.Identify and examine emerging risks and trends, providing actionable recommendations for policy and procedural adjustments to alleviate these risks.Work collaboratively with cross-functional teams in Product, Business, and Engineering to implement effective risk mitigation strategies and controls.Configure and enhance fraud detection rules within fraud management systems, leveraging transaction trend analysis and pattern recognition to uncover potential fraud risks involving merchants and consumers.Conduct monitoring, investigations, in-depth analyses, and forensic assessments, along with comprehensive reporting; deliver timely, data-driven feedback regarding portfolio performance and reporting metrics.

Join Amartha, a pioneering technology company dedicated to fostering shared prosperity through innovative digital financial solutions tailored for the grassroots economy. Established in 2010, Amartha began as a microfinance institution, bridging rural, women-led micro-enterprises with accessible capital. Our evolution into a tech-driven enterprise focuses on creating a comprehensive microfinance ecosystem that integrates seamlessly with the burgeoning digital economy through capital, investment, and payment services. By enhancing the competitiveness of micro and small enterprises, we empower women-led MSMEs, generate employment opportunities, and promote inclusive economic growth.About The TeamWe are on an exciting journey of digital transformation as we advance towards our 2025 vision, and our digital risk management team is expanding to meet this challenge. We are seeking a talented Fraud Risk Analyst to bolster our ability to manage digital lending risks effectively, ensuring the integrity and security of our expanding portfolio of digital financial products. This pivotal role will be instrumental in defining and implementing robust digital risk management strategies for our lending platforms, enabling us to provide secure and efficient financial solutions while proactively addressing potential risks in a rapidly evolving landscape.ResponsibilitiesCreate and implement fraud detection and prevention frameworks utilizing advanced analytics, machine learning, and behavioral insights.Conduct in-depth fraud analytics, including developing risk scoring for promotional abuse, crafting fraud rule scenarios, analyzing emerging fraud trends, and pinpointing process vulnerabilities.Formulate and enforce anti-fraud policies and procedures across our digital products.Collaborate with data science teams to design and refine fraud detection algorithms.Work alongside product, technology, and third-party providers to integrate fraud detection mechanisms into digital products and customer experiences.Perform root cause analyses on confirmed fraud incidents to identify vulnerabilities and strengthen control measures.Coordinate with internal teams such as fraud investigation, product, technology, credit risk, data science, and compliance to ensure comprehensive integration of fraud controls across all digital products and partnerships.Lead initiatives aimed at automating and optimizing fraud monitoring processes to enhance efficiency and accuracy.

About UsAt Amar Bank, we pride ourselves on being one of Indonesia's most innovative digital banks. Our flagship digital lending product, Tunaiku, was the first FinTech offering in Indonesia, and we are recognized as the first cloud-based digital bank. As pioneers in the digital banking sector, we have achieved profitability and are listed on the Indonesian Stock Exchange.Our ApproachWe are reshaping the banking experience. Our commitment to innovation is driven by a strong customer focus and technology that makes a real impact. We foster an environment of freedom and flexibility, integral to our start-up culture, encouraging our team to create superior financial solutions. We like to think of ourselves as a technology company with a banking license, embodying the motto, 'Act like a FinTech, think like a Bank.'Our JourneyEstablished on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), we have undergone a transformation under the Tolaram Group to become PT Bank Amar Indonesia since 2014. Our digital evolution has positioned us as a leader in the FinTech landscape, recognized for our award-winning platform, Tunaiku.Our Vision and CultureWe believe technology should enhance lives. Our mission is to deliver banking services to those in need, aiming to create 200 million smiles through our offerings. Our team of over 1000 individuals thrives on ambition and growth, making Amar Bank a dynamic workplace. Recognized as the 'Best Place to Work in Indonesia', we support our employees to exceed their limits and pursue their career aspirations.Join UsIf you're eager to contribute to our mission of 'Impacting Lives' and embrace challenges, we welcome you to join our journey towards unlimited innovation!

Join Cermaticom as a Corporate Credit Risk Analyst specializing in Employee Loan Solutions. In this pivotal role, you will analyze credit risk and assess financial viability of loan applications to ensure sound lending decisions. Collaborate with cross-functional teams to develop risk assessment strategies that enhance our lending processes.