What You Will Do:
Credit Risk Assessment
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Analyze loan applications, borrower profiles, and financial statements to assess creditworthiness.
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Develop and maintain risk scoring models and evaluation criteria for customer assessment.
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Conduct scenario and sensitivity analyses to estimate potential credit losses.
Portfolio Monitoring & Reporting
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Monitor portfolio performance, including delinquency, default, and recovery rates.
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Prepare risk dashboards and periodic reports, providing actionable insights to management.
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Identify early warning indicators and recommend preventive or corrective measures.
Policy & Compliance
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Support the design and implementation of credit risk policies, procedures, and risk limits.
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Ensure adherence to internal risk frameworks and external regulatory requirements (e.g., OJK/POJK in Indonesia).
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Collaborate with internal audit and compliance teams to address findings and strengthen controls.
