Job Purpose:
To develop, implement, and oversee the company's risk management framework in compliance with regulatory requirements (OJK & AFPI), internal policies, and industry best practices. The Risk Manager will ensure effective identification, assessment, monitoring, and mitigation of all relevant risks.
Key Responsibilities:
1. Risk Strategy & Framework
- Develop and implement risk management policies, procedures, and frameworks tailored to the company's operations and business model.
- Ensure alignment with applicable regulations from OJK (Indonesia Financial Services Authority) and AFPI (Indonesian Fintech Association).
2. Risk Identification & Assessment
- Conduct comprehensive risk assessments covering operational, credit, market, liquidity, compliance, and strategic risks.
- Proactively identify emerging risks related to business expansion, product innovation, or regulatory changes.
3. Monitoring & Mitigation
- Monitor Key Risk Indicators (KRIs) and risk exposures regularly.
- Develop and recommend risk mitigation plans in coordination with relevant departments.
- Ensure effective risk controls are in place and functioning as intended.
4. Regulatory Reporting (OJK & AFPI)
- Prepare and submit periodic risk-related reports to OJK and AFPI, ensuring timeliness, accuracy, and compliance with regulatory formats.
- Monitor changes in regulations and assess their impact on the organization's risk posture.
- Liaise with regulators, auditors, and internal stakeholders on risk-related matters.
5. Compliance & Governance Support
- Support compliance with POJK, SEOJK, and other relevant financial service regulations.
- Collaborate with Compliance and Internal Audit teams to ensure a consistent risk culture across the organization.
6. Training & Awareness
- Conduct internal training to raise awareness and understanding of risk management principles across departments.
- Develop internal communication strategies to promote a risk-aware culture.
7. Audit & Risk Review
- Lead preparations for internal and external audits related to risk management.
- Coordinate the resolution of audit findings and risk incidents.
Qualifications & Experience:
- Bachelor's degree (or higher) in Finance, Economics, Risk Management, Accounting, Law, or related fields.
- Minimum of 5 years of relevant experience in risk management, preferably in banking, fintech, or financial services.
- Strong knowledge of Indonesian financial regulations (POJK, SEOJK) and familiarity with AFPI guidelines.
- Proven experience in preparing and managing regulatory reports (e.g., RBBR, Risk Profiles, etc.).
- Excellent analytical, problem-solving, and communication skills.
- Strong organizational and project management capabilities.
