Kredit Pintar
Kredit Pintar is one of Indonesia's leading digital lending platforms that is licensed, registered, and supervised by the Financial Services Authority (OJK). Kredit Pintar has over 10 million downloads and 4.4-star rating on Google Play. Kredit Pintar is part of Atome Financial, a leading fintech company with extensive experience in consumer finance and promoting financial inclusivity through artificial intelligence technology.
We are committed to leveraging AI technology to improve the lives of Indonesia's underbanked communities by offering users fast, secure, and affordable loan options.
As part of the Advance Intelligence Group, a Series D company and ranked among LinkedIn's Top 15 Startups in Singapore in 2022 (the third year in a row we've been on the list), with over 2,000+ staff worldwide, we are united by a shared vision and purpose: to Advance with Intelligence for a Better Life--for our customers, colleagues and communities.
Our culture is built on values that are core to who we are and what we stand for:
- We foster an INNOVATION mindset
- We achieve results with EFFICIENCY and excellence
- We take pride in the QUALITY of our work
- We uphold INTEGRITY in all we do
- We embrace COLLABORATION to work across business lines and borders
As a Credit & KYC Analyst, you'll sit at the center of our lending pipeline — reviewing incoming applications end-to-end, verifying borrower authenticity, and reading the financial signals (SLIK, financial statements, cash flow)
Job Descriptions
Credit Application Review & Decisioning
- Own end-to-end review and decisioning of new and existing loan applications within the assigned product pipeline, applying internal SOP consistently.
- Maintain daily review throughput against targeted volume without compromising decision quality.
- Manage personal workload and prioritize reviews to meet business SLAs.
KYC & Due Diligence
- Assess and review customer documentation and data as part of KYC and due diligence processes for new and existing applications.
- Verify authenticity of submitted documents and declared customer information.
- Identify emerging or recurring fraud/scam patterns and escalate findings to the Supervisor with supporting analysis.
- Provide recommendations based on review and assessment outcomes.
Credit & Financial Analysis
- Summarize and interpret SLIK/credit bureau reports, company financial statements, P&L, and balance sheets to support credit assessment.
- Apply working knowledge of productive vs. unproductive and secured vs. unsecured loan structures in analysis.
Verification & Compliance
- Confirm borrower-declared information via phone or live video call, per internal verification policy.
- Ensure consistent adherence to internal policy and SOP across all reviews.
Collaboration & Continuous Improvement
- Work independently and within a team to meet KPIs and quality performance targets.
- Contribute to assigned projects and ongoing process improvement initiatives.
Job Requirements
Minimum Qualifications
- Minimum 1 year of experience in credit underwriting or risk management within multi-finance, commercial/SME banking, or fintech.
- Solid understanding of productive/unproductive and secured/unsecured loan categories.
- Strong analytical skills with high attention to detail.
- Strong communication skills, with good English proficiency.
- Comfortable operating in a fast-paced, deadline-driven environment.
Preferred
- Experience conducting phone/video verification.
- Familiarity with data analysis tools (SQL, Python).
