Credit Risk Manager

akulaku indonesia

5-8 Years

Indonesia

Posted 2 months ago
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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

Requirements

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

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akulaku indonesia

Job ID: 150532181

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Last Updated: 18-08-2026 05:50:48 PM

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Credit Risk Manager

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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