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
