Are you passionate about driving innovation in lending while maintaining sustainable credit risk Join Bank OCBC Indonesia and be part of our mission to shape the future of Alternative Lending through data, technology, and strong risk governance.
What You'll Do
You will play a key role in supporting our business units to achieve alternative lending growth while ensuring sound credit risk management. Your responsibilities include:
- Developing and launching credit policy, program, and framework for alternative lending in line with regulations, internal policies, and lending authority limits.
- Creating and implementing alternative lending initiatives using ecosystem data and augmented risk models.
- Providing risk support during product planning, launch, and revisions.
- Collaborating with business stakeholders to define the data directory and dictionary for ecosystem groups and relevant datasets.
- Partnering with Business, Operations, and IT to map and optimize the loan process and implement Loan Operating Systems.
- Working with Data Risk Analysts to translate credit hypotheses into predictive credit models.
- Developing and executing portfolio performance monitoring using ecosystem and gold source data.
- Managing program deviation approvals and ensuring NPL and risk triggers remain within set parameters.
- Conducting regular portfolio quality reviews and recommending remedial actions when needed.
- Continuously updating credit policies and driving process improvements across teams.
- Supporting internal and external audit requirements to achieve satisfactory results.
What We're Looking For
- Minimum 5 years of experience in alternative lending using ecosystem and/or gold source data for borrower behavior analysis.
- Strong understanding of ecosystem dynamics, business banking products, and statistical models.
- Excellent analytical and quantitative abilities with great attention to detail.
- Strong communication, interpersonal, and negotiation skills for cross-functional collaboration.
- Self-motivated, critical thinker who can work independently and as part of a team.
Why Join Us
At OCBC, we believe in building a stronger future by empowering innovation while managing risk responsibly. You'll be part of a forward-looking team that values collaboration, learning, and making an impact in the evolving financial ecosystem.
