About Us
This is a leadership opportunity within Ant International's Indonesia business ecosystem, supporting an OJK-licensed lending joint venture based in Jakarta.
The business focuses on inclusive finance, supply chain finance, and related lending products in Indonesia. As the venture continues to scale, we are looking for a Credit Risk Head to build, optimize, and implement a robust credit risk management framework suited to the local market and regulatory environment
The Role
We are seeking a Head of Credit Risk who will take full ownership of building, optimizing, and implementing the company's credit risk management framework. Based on Indonesia's local market characteristics, industry ecosystem, and regulatory requirements, you will formulate prudent and sustainable risk strategies for supply chain finance and related lending products, supporting healthy business growth and sound asset quality management.
Key Responsibilities
- Deep Business Understanding: Develop a deep understanding of the company's business model in Indonesia, with a focus on inclusive finance and supply chain finance, and identify key credit, operational, and fraud risks.
- Market and Regulatory Insight: Build a strong understanding of the local market environment, including macroeconomics, credit infrastructure, regulatory policies, lending landscape, and available third-party data sources.
- Risk Framework Development: Build and enhance the end-to-end credit risk management framework across the full lending lifecycle, including underwriting, approval, credit limit, pricing, early warning, and collections strategies.
- Model and Strategy Optimization: Leverage internal and external data to drive risk models, policy rules, and portfolio monitoring, and continuously improve asset quality and risk-adjusted returns.
- Cross-functional Collaboration: Work closely with shareholders and local business, product, operations, compliance, and technology teams to drive the implementation of the overall risk solution.
- Team Leadership: Lead and develop the local risk team to support sustainable business growth.
Requirements
- 8+ years of experience in credit risk management, with team management experience; prior Indonesia market experience is preferred.
- Hands-on experience in supply chain finance, SME lending, inclusive finance, or related lending businesses; experience in building risk frameworks from scratch is a strong plus.
- Strong understanding of the full credit risk management lifecycle, as well as Indonesia's local regulatory requirements, market environment, and third-party data landscape.
- Strong analytical skills, with proficiency in SQL, Python, or other data analysis tools.
- Strong cross-functional communication and execution skills, with the ability to balance business growth and risk management in complex environments.
- English as working language; Bahasa Indonesia is a plus.
