Responsible for Traveloka's Financing arm P&L related to loan recoverability aspects, including working with, but not limited to, credit, collection, and fraud divisions
Be accountable for managing budget and financial goals for the above domains
Closely track day-to-day activities and business performance against set budget, and course-correct accordingly when necessary
Gain an in-depth understanding on the industry and market dynamics; with ability to propose solutions catered specifically for Traveloka - particularly through risk/fraud acceptance optimization and collection activities
Use judgement to balance between enjoying immediate business results vs. investing for future growth in business prioritization
Design ever-improving credit loss provisioning methodology (including but not limited to expected loss) that meets the IFRS 9, PSAK 71, and other applicable requirements.
Analyze internal data, macroeconomics variables, perform calculations, and take decisions on the amount that needs to be provisioned each month based on forward-looking default probability.
Perform & verify quality control in terms of data quality, reconciliation and analyzing of report results.
Support the business and risk reporting needs with respect to Credit Quality including, impaired loan levels, provision for credit losses, write-offs etc.
Responsible for the ongoing interpretation of policies and guidelines issued by the accounting and regulatory bodies
Job Requirements
Minimum 5 years of working experience
Experience in bank/credit/loan/BNPL companies, and familiarity with the latest PSAK/IFRS standard
Experience in Big 4 accounting firms is a plus
Possess Bachelor's degree in Economics, Finance or Business fields from top local or overseas universities with minimum GPA of 3.5 on a 4.0 scale
Experience working in a multi functional environment (e.g. product, growth, data, risk, ops), including external stakeholders (e.g. auditor, regulator)
Financially sound, with proven ability to develop complex financial models and projection with sensitivity analysis
Excellent analytical and problem solving skills, with proven ability to identify root causes and potential remedies for corrective or preventive actions
High level of English and Excel proficiency is a must
