Risk Strategy Manager

About the Job

As a Principal / Staff Business Operations specialist, you are joining Traveloka Financing — a senior individual contributor with no direct reports who the function turns to on its hardest risk-control problems. You develop and implement operational plans tied to Risk Control's Must Win Battles, with direct impact on the domain's overall results, and you tackle genuinely complex problems where the right answer weighs operational and financial impact together. You enhance how the domain operates through expertise and influence, not by leading a team.

• Develop and implement operational plans, processes, and controls aligned to Risk Control's priorities, with direct impact on the domain's results and performance
• Own the most complex, cross-market risk-operations problems end to end, applying advanced, well-developed expertise to balance operational and financial trade-offs
• Enhance existing policies, processes, and products as a key contributor on improvement project teams within the domain
• Run the deep analysis that shapes decisions on loss, approval, fraud, and cost-to-serve, and propose the course of action within your area
• Influence Product, Risk, Compliance, Data, and Engineering by persuading them of your position with facts and evidence, without holding formal decision authority over them
• Set the technical bar for the function, mentoring analysts and reviewing critical work while remaining an individual contributor with no line-management duties
• Lead high-leverage improvement initiatives that change how risk operations run across countries

Job Requirements

• You have at least 5 years of deep experience in business or risk operations, lending, fintech, or consulting, recognised as a go-to expert
• You have advanced, hands-on command of operational and risk data and the credit concepts behind it
• You design operating models and controls that scale across multiple markets and regulators
• You combine strong analytical depth with the judgment to make calls under uncertainty
• You influence senior cross-functional stakeholders through evidence and credibility, not authority
• You prefer to deliver impact as a senior individual contributor and mentor, rather than manage a team
• You stay composed and decisive in incidents and high-pressure periods
• You have a Bachelor's degree in a quantitative or business field (advanced degree a plus)
• You communicate complex strategy and results clearly, and you are fluent in English (due to multicultural SEA teams)
• You have been the technical owner of a risk-operations or lending-operations capability that others depended on
• You have moved a P&L-relevant lever — approval rate, loss rate, cost-to-serve — meaningfully through your own work
• You bring deep knowledge of credit infrastructure and regulation across two or more SEA markets