Job Description

About the Role

Our BPKB (motor vehicle-backed lending) business runs across 300+ branches and is growing fast. As it scales, the processes and operations behind every loan have to hold up: underwriting, compliance, collections and loan performance.

This role sits at the center of that work. You will find where operations break, size the problem with data, design the fix and see it through across branches. This is an operations improvement and analytics role. Success means sharper credit decisions, lower delinquency, tighter compliance and processes that scale.

What You'll Do

Loan performance & delinquency analysis

Monitor portfolio health (DPD buckets, roll rates, NPL, vintage curves) by branch, region, product and customer segment
Diagnose the root causes of rising delinquency and turn findings into concrete recommendations for underwriting, collections and branch operations
Build and maintain recurring performance reports and dashboards for management

Underwriting improvement

Analyze approval, rejection and default patterns to refine credit policy
Work with Risk and Product on policy changes and measure their impact after rollout

Collections optimization

Evaluate collection strategy effectiveness by bucket, channel and team
Recommend changes to prioritization, treatment strategies, incentives and SOPs, backed by data.
Track recovery rates and collector productivity, and flag underperforming areas early.

Overall Operations improvement & project management

Own end-to-end improvement projects: scoping, baseline measurement, solution design, pilot, rollout and impact tracking.
Map current processes across HQ and branches, find bottlenecks and standardize them into clear SOPs.
Coordinate across Operations, Risk, Collections, Compliance, Product, Tech, Finance, and other teams (including branch) to deliver on time

Product & regulatory compliance

Make sure operational processes meet OJK requirements and internal policy (e.g., SLIK reporting, fidusia, documentation standards).
Translate new regulations into practical operational changes for branches

What We're Looking For

Bachelor's degree
3–4 years of experience in operations, credit risk, collections, business analytics or process improvement, ideally in multifinance, fintech lending, pawn, banking or other consumer lending.
Strong analytical skills: comfortable working with large datasets and turning numbers into clear recommendations.
Excel/Google Sheets capability
A proven track record of driving at least one operations improvement project from problem to measurable result.
Structured problem-solver who can break down ambiguous problems and prioritize what matters.
Clear communicator in Bahasa Indonesia and English, able to present findings to both management and branch staff.