Lead the development, implementation, and governance of credit scoring and risk control models to support sustainable portfolio growth and effective risk management.
Key Responsibilities
- Review, monitor and interpret existing credit scoring models (application scoring, behavioral scoring, collection scoring) and localized risk strategies; organize and compile complete model‑related documentation for regulatory audit.
- Participate in configuration review, validation and production go‑live verification of risk‑control modules and decision engines, including rule engines, policy rules and decision trees.
- Analyze portfolio performance metrics such as approval rate, default rate and model effectiveness; conduct risk‑data sanity checks using SQL and Python.
- Participate in defining and optimizing risk appetite, cut‑off strategies and score thresholds in alignment with Indonesian business conditions and regulatory constraints.
- Collaborate cross‑functionally with Product, Data, Collection and Compliance teams to ensure risk designs meet business objectives and OJK regulatory requirements.
- Serve as the key focal point for OJK audits: clearly explain model principles, workflow and end‑to‑end operating mechanisms to regulators; coordinate the submission of full audit materials.
- Review model validation reports, assess back‑testing outcomes, and govern periodic model recalibration activities.
- Prepare risk performance reports and deliver insights to senior management; conduct regular cross‑border collaboration with overseas headquarters in business English.
Requirements
- Bachelor's degree in Statistics, Mathematics, Economics, Finance or other related disciplines.
- 3‑5 years of hands‑on experience in credit risk, credit‑scoring model governance or risk‑strategy review within the lending or fintech industry.
- In‑depth understanding of credit‑scoring methodologies and risk‑decision‑making systems.
- Practical skills in SQL and Python for risk‑data analysis, sanity checks, and understanding feature engineering and model scripts.
- Solid grasp of principles for common risk‑modelling algorithms including LR, XGBoost and LightGBM; capable of clearly explaining model logic and full operating mechanism to regulators during OJK audit.
- Practical experience in reviewing decision‑engine configurations, rule‑sets and production roll‑out deliverables.
- Strong analytical thinking, outstanding communication and stakeholder‑management skills; confident in formal regulatory briefing and explanation.
- Business‑proficient English for daily cross‑border communication. Chinese language is NOT required.
- Prior work experience at Indonesian fintech or PJP lending institutions is highly preferred.
- Familiarity with OJK regulatory rules and frameworks, with hands‑on audit‑response experience is a strong plus.
