Merchant Risk & Fraud Analyst

IBMC is assisting a client in hiring a vital risk management leader. Our client is an established consumer finance and licensed lending provider dedicated to optimizing operational integrity and market compliance in Southeast Asia. Powering strategic risk mitigation and secure enterprise expansion, they are strengthening their internal control frameworks and localized fraud operations.

We are seeking a highly detailed, observant, and risk-aware Merchant Risk & Fraud Analyst (Mandarin Speaker) specialist to oversee offline credit anti-fraud, merchant admission, and investigation support. This role blends analytical oversight, risk identification, and structured report writing. Your goal is to review applications against strict compliance guidelines, lead fraud investigations, and partner with cross-functional teams to implement robust anti-fraud measures.

Key Responsibilities

• Application Review: Review and approve merchant and sales representative applications based on established compliance standards and admission criteria.
• Merchant Monitoring: Monitor post-admission merchant status, conduct periodic risk reviews, and manage suspensions or terminations based on anti-fraud policies.
• Case Management: Oversee anti-fraud cases from intake to closure, ensuring SLA compliance and proper documentation of outcomes.
• Quality Control: Conduct QC inspections on investigation reports, identify process gaps, and recommend improvements to enhance investigation quality.
• Team Collaboration: Partner with sales, investigation, and customer service teams to implement anti-fraud measures and resolve operational challenges.

Requirements

• Education: Bachelor’s degree or above.
• Language Proficiency: Proficient in Chinese (Mandarin) with a minimum qualification of HSK 4 or equivalent as a working language to maintain clear lines of reporting and corporate communication.
• Domain Experience: 1+ year of experience in offline credit anti-fraud, merchant admission, or investigation support, preferably in the Indonesian market.
• Analytical Skills: Strong attention to detail with a keen sense of risk identification, data organization, and professional report writing.
• Interpersonal Capability: Effective communication and coordination skills; able to work efficiently across sales, investigation, and operations teams to drive execution.
• Mindset: Results-oriented with strong learning agility and a high sense of responsibility.
• Presence: Must be fully open to a permanent, on-site position located in Cyber 2 Tower, Kuningan, South Jakarta.

Nice-to-Haves / Bonus Points

• Experience in consumer finance, licensed lending, or bank credit card fraud operations within Southeast Asia is a plus.
• Familiarity with digital forensic tools or data analytics platforms for risk management.

Benefits

Critical Mandate: Play a foundational protective role safeguarding the organization's credit ecosystem against operational exposure.

Competitive Compensation: A stable monthly salary package structured alongside comprehensive industrial benefits.

Professional Development: Accelerated learning curve within specialized international fraud prevention and multi-team collaboration workflows.