It's fun to work in a company where people truly BELIEVE in what they're doing!
Job Description
- 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
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
