Head, SME & Retail Credit Management

About You

• You're a go-getter with mad juggling skills (or multiple hats) who can thrive in a fast-paced, agile environment
• You enjoy doing purpose-led and meaningful work
• You have a strong thirst for knowledge and are driven to find solutions that don't exist yet
• You are comfortable with ambiguity and extremely resourceful (in your past life, you could've been a detective)
• You always find a way to get things done without sacrificing the quality of your work, integrity, and values
• No task is off limits for you
• You are humble and prioritize the success of the team over your own with an eagerness to help those around you
• You don't shy away from challenges and can bounce back from setbacks

What you'll do and what success looks like in this role:

• Design and maintain a comprehensive credit risk governance framework for all credit segments, including retail, commercial, corporate, indirect financing, as well as digital credit and other types of financing offered by the bank.
• Ensure alignment of credit risk policies with business strategies and applicable regulations.
• Ensure that credit risk policies comply with legal and regulatory requirements, including those issued by the Financial Services Authority (OJK), Bank Indonesia (BI), and other applicable standards.
• Monitor developments in credit risk trends, regulatory changes, and industry best practices to ensure policies remain relevant and aligned with the company's needs.
• Implement and monitor credit risk policies.
• Oversee the execution and application of credit risk procedures across all banking business lines.
• Conduct periodic reviews and updates of policies to align with changes in the regulatory environment and the bank's business strategy.
• Prepare and deliver comprehensive reports on credit risk governance to senior management and risk committees.
• Ensure transparent and accountable risk governance in credit decision-making processes.
• Collaborate with Risk Management, Compliance, Audit, and business units to ensure an integrated credit risk approach aligned with the bank's overall strategy.
• Collaborate with shareholders (ASTRA and WeLAB) in discussions related to the bank's credit policies.

What Is Required and What We're Looking For

• Minimum 10–15 years of experience in banking, with a focus on credit risk management, risk governance, or regulatory compliance.
• Strong understanding of credit risk management, banking regulations, and international risk standards.
• Strong analytical and problem-solving skills in managing credit risk strategically.
• Strong leadership abilities in managing teams and collaborating across functions within the organization.
• Risk management certification (Level 3).