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.

Job requirements

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.

Benefits

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

Job information

Education

Bachelor Degree (S1)

Experience level

Associate

Minimum experience

2 years

Gender

No Qualification

Published date

10 Mar 2026

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