Analyze credit bureau reports, bank statements, and KYC documents to evaluate applicants creditworthiness, financial health, and compliance with regulatory standards.
Conduct detailed financial analyses and risk assessments to assess loan applications and ensure informed credit decisions align with the company's risk appetite
Develop, implement, and monitor risk management strategies by identifying potential risks, recommending mitigation measures, tracking key indicators, and ensuring compliance with credit policies and regulatory guidelines.
Effectively communicate credit decisions, collaborate with internal teams to gather insights, and provide recommendations to enhance the credit assessment process and tools.
Maintain detailed records of credit assessments, prepare reports on activities and portfolio performance, and support management with reports and presentations.
Stay updated on industry trends, regulatory changes, and best practices in credit risk management.
Contribute to the development and enhancement of credit assessment models and tools.
Qualifications
Bachelor's degree in Finance, Accounting, Economics or a related field.
Proficient in Bahasa and English (Must have)
Minimum of 2-3 years of experience in credit analysis, preferably in unsecured consumer lending.
Proficiency in MS Office Suite, particularly Excel and financial analysis tools.
