We are seeking a highly analytical and detail-oriented Risk Data Analyst to join our Risk Management team, focusing on our rapidly expanding payment product portfolio, including Core Payments, EDC, PPOB, QRIS Transactions, and Lending.
In this role, you'll transform complex transaction data into actionable risk intelligence, helping us shift from reactive monitoring to proactive, risk-based analysis and predictive modeling. You will partner closely with Product, Engineering, Operations, and Risk teams to build scalable, data-driven risk frameworks.
Key Responsibilities
- Risk Analysis & Reporting (Risk-Based Approach)
- Develop & Maintain Risk Dashboards: Build dynamic dashboards (Tableau, Power BI, Looker, etc.) that provide real-time visibility into risk exposure across all payment products.
- Define & Monitor KRIs: Track critical metrics such as fraud rates, chargebacks, false positives, unauthorized transaction velocity, merchant default risk, and more.
- Root Cause Analysis: Dive deep into data to uncover drivers of emerging risk trends, losses, and control gaps.
- Loss Forecasting: Build statistical models to forecast potential losses and support capital provisioning decisions.
- Risk Project Involvement & Implementation
- Data Integration & Validation: Serve as the primary data contact for key risk projectse.g., KYC/KYB integration, Face Authentication, and Real-Time Transaction Monitoring (RTTM).
- PoC Support: Lead data preparation, cleansing, and analysis for Proof-of-Concept initiatives, providing quantitative risk assessment results.
- Model Monitoring: Create and maintain performance tracking for fraud scores, authentication models, and other risk models; provide insights for tuning and improvements.
- Ad-Hoc Analysis & Process Improvement
- Perform high-impact ad-hoc analysis for Head of Risk and senior management on emerging fraud patterns, regulatory inquiries, or process gaps.
- Partner with Engineering and Operations to enhance data capture, storage, and processing workflows to improve risk data quality and availability.
Requirements :
Experience
Must-Have Qualifications
- 3+ years in Data Analyst, Business Intelligence, or Risk Analyst roles preferably in FinTech, Banking, or Payments.
Technical Skills
- Expert proficiency in SQL for large-scale data extraction and manipulation.
- Strong proficiency in Python or R for statistical analysis and visualization.
- Experience building dashboards (Tableau, Power BI, Looker).
- Familiarity with cloud data warehouses (Snowflake, BigQuery, etc.).
Domain Knowledge
- Solid understanding of payment and lending flows (Core Payments, EDC, PPOB, QRIS).
- Knowledge of risk vectors: chargebacks, synthetic identity, velocity attacks, account takeover, fraudulent documents, etc.
- Familiarity with regulatory frameworks (PCI DSS, OJK regulations).
- Strong capability to apply a risk-based approach in prioritizing high-impact issues.
Soft Skills
- Excellent communication skills with the ability to translate technical insights into actionable business recommendations.
- Strong project management and cross-functional collaboration experience (Engineering, Product, Ops, Lending, Data).
Preferred Qualifications
- Experience with advanced statistical modeling or ML techniques related to fraud/credit risk.
- Direct experience with data from KYC/KYB, Face Authentication, or RTTM systems.
