Fraud Operations Manager BSD City, Indonesia Regular Corporate Functions 2026.06.26

Traveloka

Join Traveloka and channel your passion into a rewarding careerFraud Operations ManagerJob Posting Date2026.06.26Job TypeRegularTeamCorporate FunctionsLocationBSD City, IndonesiaApply NowAbout TravelokaTraveloka is Southeast Asia’s leading all-in-one travel platform connecting millions globally with trusted, world-class experiences. With over 140 million app downloads and more than 40 million monthly active users, Traveloka stands as one of the most popular travel apps in the region.

Job DescriptionJob ID: MJ000231ResponsibilitiesData Analytics & Model EnhancementAdvanced Fraud Analytics: Conduct deep-dive data analytics on the PayLater portfolio to detect shifting behavioral patterns and transaction trends among high-risk or fraudulent users, directly contributing to the optimization of fraud detection models.

Investigation & Loss MitigationIncident Investigation & Countermeasures: Analyze complex TPayLater fraud cases at scale to design actionable countermeasures, implement robust fraud rules, and recommend product-level fixes. Financial Recovery:

Execute strategic asset recovery actions to minimize actual or potential financial losses while actively supporting Gross Booking Value (GBV) growth. Process & Framework OptimizationFramework Improvement: Continuously evaluate and refine early investigation frameworks across the PayLater ecosystem, payments, and the broader platform to enhance operational efficiency.

Compliance, KYB & Stakeholder ManagementRegulatory & External Relations: Serve as the primary point of contact for fraud-related inquiries, delivering precise and timely responses to regulators (OJK), law enforcement agencies, and internal product teams. Risk Mitigation (KYB/KYE):

Execute rigorous Know Your Business (KYB) checks for merchants to secure the lending space, and manage internal Know Your Employee (KYE) reporting compliance. Intelligence & AwarenessFraud Intelligence: Perform proactive intelligence-gathering to uncover emerging fraud modus operandi and preemptively intercept risks.

Customer Awareness: Partner with social media and cross-functional teams to design and drive customer-facing fraud awareness initiatives. RequirementsHave minimum 7 years’ experience in Fraud Investigation/Management in unsecured personal loan/BNPL.

Some experience in card payments fraud and/or chargeback handling is highly appreciated. Proficient understanding of OJK regulations, fraud landscape in BNPL, and with credit-related fundamentals. Fluency in data analytics and comfortable in presenting findings and patterns backed with data; detail oriented and vigorous pattern-recognition; able to move fast with imperfect data.

Bachelor’s degree in any major, preferably in STEM from a reputable university with minimum GPA of 3.5 on a 4.0 scale. Demonstrated experience working horizontally cross-functions and vertically. Proven track record building and owning P&L; comfortable with end-to-end accountability target-setting to variance resolution.

Good interpersonal and communication skill, comfortable translating between technical and business terms. Fluency in English both in written & verbal. Honest and ethical with high levels of integrity and confidentially.

Comfortable with ambiguity and iterative approach. Similar JobsRevenue & Growth Manager2026.06.23RegularCorporate FunctionsBSD City, IndonesiaOFM Senior Associate Manager2026.10.07RegularCorporate FunctionsBSD City, IndonesiaOperational Risk Specialist2026.09.30RegularCorporate FunctionsBSD City, IndonesiaRisk Data Analyst2026.09.07RegularCorporate FunctionsBSD City, IndonesiaAt Traveloka, we firmly believe in equal opportunities for all because diversity drives creativity and excellence.

We encourage individuals from diverse backgrounds to apply for opportunities with us. Our hiring decisions are based on qualifications and merit in accordance with a fair and transparent process, regardless of race, ethnicity, religion, sex, gender identity, sexual orientation, age, marital status, disability, military service, or any other aspect of diversity. Join us in our mission to transform the travel industry and embrace the values that drive us to innovate and serve customers worldwide.

Be advised that Traveloka maintains a structured recruitment process and does not entertain unsolicited resumes from recruiting agencies. Third parties who provide unsolicited resumes of candidate(s) shall waive and forfeit all rights to claim for any placement or referral fees in the event that Traveloka eventually employs such candidate. Hence, we will not assume responsibility for any fees incurred for candidates hired through unrequested resumes.

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