What You Will Do:

Credit Risk Assessment

• Analyze loan applications, borrower profiles, and financial statements to assess creditworthiness.
• Develop and maintain risk scoring models and evaluation criteria for customer assessment.
• Conduct scenario and sensitivity analyses to estimate potential credit losses.

Portfolio Monitoring & Reporting

• Monitor portfolio performance, including delinquency, default, and recovery rates.
• Prepare risk dashboards and periodic reports, providing actionable insights to management.
• Identify early warning indicators and recommend preventive or corrective measures.

Policy & Compliance

• Support the design and implementation of credit risk policies, procedures, and risk limits.
• Ensure adherence to internal risk frameworks and external regulatory requirements (e.g., OJK/POJK in Indonesia).
• Collaborate with internal audit and compliance teams to address findings and strengthen controls.

What We Are Looking For:

• Bachelor’s degree in Finance, Economics, Statistics, Accounting, Mathematics, Business, or a related field.
• Minimum of 2 years of experience in risk management, credit analysis, or related roles within a bank, fintech, or lending institution.
• Strong analytical and quantitative skills with the ability to interpret complex financial and statistical data.
• Proficiency in risk modeling, Microsoft Excel, and data analysis tools such as SQL, Python, R, or BI platforms.
• High attention to detail, with strong integrity and a sense of accountability.
• Proactive, adaptable, and able to thrive in a fast-paced environment.

• Competitive salary & performance bonus
• BPJS Kesehatan & Ketenagakerjaan
• Private health insurance
• Paid annual leave & sick leave
• Hybrid / flexible working arrangement
• Professional development & training support
• Career growth opportunities in a fast-growing fintech company
• Laptop / work equipment provided
• Team bonding & company events
• Dynamic and collaborative work environment