Credit Risk Manager
Credit Risk Manager
akulaku group5-8 Years
- Posted 18 hours ago
- Be among the first 10 applicants
Job Description
Responsibilities
- Oversee all BNPL credit risk operations (online & offline), including underwriting, screening, and approval processes
- Develop, review, and implement BNPL credit policies aligned with company risk appetite; optimize data-driven credit strategies (rule-based & scorecards)
- Track and manage portfolio performance (FPD, NPL, vintage analysis, roll rate) and create action plans to maintain credit quality
- Work closely with Risk, Collections, Fraud, Data, and Product teams, and coordinate with senior management (BOD) and external vendors
- Ensure full compliance with Otoritas Jasa Keuangan (OJK) regulations, prepare relevant documentation
- Lead, coach, and develop the credit team, including performance management and KPI review
- Bachelor's degree in a relevant field (e.g., Economics, Finance, Accounting, Statistics, Engineering)
- 5 - 8 years in credit roles within banking (retail/digital), multifinance, or fintech/P2P lending, including at least 3 years in Assistant Manager/Manager level
- Solid understanding of credit processes including screening, scoring, underwriting, credit modeling, and risk-based pricing
- Strong experience managing consumer lending portfolios (unsecured loans, BNPL), developing and implementing credit policies, and monitoring portfolio quality (FPD, NPL, vintage analysis)
- Professional certifications (SPPI, Risk Management, BSMR, Data Analytics) are a plus
- In-depth understanding of Otoritas Jasa Keuangan (OJK) regulations and strong awareness of evolving digital lending trends in Indonesia
More Info
Key Skills
approval processes
FPD NPL vintage analysis
credit processes
rule-based scorecards
credit modeling
credit risk operations
data-driven credit strategies
credit policies
monitoring portfolio quality
risk-based pricing
SPPI Risk Management
BSMR Data Analytics
About Company
Skills:
Screening, approval processes, FPD NPL vintage analysis, credit processes, Unsecured Loans, rule-based scorecards, credit modeling, Underwriting, credit risk operations, data-driven credit strategies, credit policies, monitoring portfolio quality, risk-based pricing, SPPI Risk Management, BSMR Data Analytics
Skills:
FPD NPL vintage analysis, credit processes, BSMR Data Analytics, rule-based scorecards, data-driven credit strategies, credit modeling, credit risk operations, risk-based pricing, approval processes, credit policies, Screening, monitoring portfolio quality, SPPI Risk Management, Unsecured Loans, Underwriting