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
- We strongly encourage individuals with disabilities to apply. We believe in equal opportunity and strive to create an inclusive workplace where everyone can thrive.
What you'll do and what success looks like in this role:
- Manage the credit risk portfolio, including setting risk tolerance, adjusting credit scores, and conducting credit risk reviews.
- Perform routine portfolio monitoring, identify and understand risk factors across the credit lifecycle, and evaluate using a combination of leading/lagging and vintage indicators.
- Analyze the impact of regulatory or market changes and provide business insights related to those changes.
- Analyze data and trends and develop new statistical datasets to generate deeper insights.
- Provide input to credit policy managers to continuously improve analytical systems based on findings.
- Coordinate with business units on all risks related to the credit portfolio.
- Apply methodologies and execute quantitative asset quality metrics processes across all credit portfolios, including underwriting quality and collectability performance.
- Assess credit risks related to indirect financing activities.
- Develop and implement strategies and policies to mitigate identified credit risks, including policy/procedure decisions, system implementation, and portfolio management of indirect financing products.
- Conduct financial analysis and modeling to evaluate the impact of potential risks on financial performance in indirect financing.
- Ensure policies comply with financial regulations and reporting requirements specific to the indirect financing industry and jurisdiction.
- Prepare and present regular reports on financial risk exposure, mitigation efforts, and financial performance to senior management and partners.
- Collaborate closely with partners and stakeholders to evaluate risk management strategies and ensure the financial health of the business.
What Is Required and What We're Looking For
- Bachelor's degree or higher in Statistics, Mathematics, Business Administration, IT, Finance, or a related field.
- Proficiency in both English and Bahasa Indonesia.
- Strong skills in data analysis and visualization using tools such as Python, Power BI, Excel, and SQL (mandatory).
- In-depth working knowledge of all parts of the credit lifecycle (origination, underwriting, portfolio management).
- Experience in credit risk management or related areas, with strong knowledge of risk analysis and regulatory requirements, is preferred.
- Minimum of 5 years of experience in banking, including risk management and financial risk assessment, preferably in indirect financing
