Credit Scoring and Risk Manager

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 modelrelated documentation for regulatory audit.
• Participate in configuration review, validation and production golive verification of riskcontrol 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 riskdata sanity checks using SQL and Python.
• Participate in defining and optimizing risk appetite, cutoff strategies and score thresholds in alignment with Indonesian business conditions and regulatory constraints.
• Collaborate crossfunctionally 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 endtoend operating mechanisms to regulators; coordinate the submission of full audit materials.
• Review model validation reports, assess backtesting outcomes, and govern periodic model recalibration activities.
• Prepare risk performance reports and deliver insights to senior management; conduct regular crossborder collaboration with overseas headquarters in business English.

Requirements

• Bachelor's degree in Statistics, Mathematics, Economics, Finance or other related disciplines.
• 35 years of handson experience in credit risk, creditscoring model governance or riskstrategy review within the lending or fintech industry.
• Indepth understanding of creditscoring methodologies and riskdecisionmaking systems.
• Practical skills in SQL and Python for riskdata analysis, sanity checks, and understanding feature engineering and model scripts.
• Solid grasp of principles for common riskmodelling 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 decisionengine configurations, rulesets and production rollout deliverables.
• Strong analytical thinking, outstanding communication and stakeholdermanagement skills; confident in formal regulatory briefing and explanation.
• Businessproficient English for daily crossborder 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 handson auditresponse experience is a strong plus.