Kredit Pintar
Kredit Pintar is one of Indonesia's leading digital lending platforms that is licensed, registered, and supervised by the Financial Services Authority (OJK). Kredit Pintar has over 10 million downloads and a 4.4-star rating on Google Play. Kredit Pintar is part of Atome Financial, a leading fintech company with extensive experience in consumer finance and promoting financial inclusivity through artificial intelligence technology.
We are committed to leveraging AI technology to improve the lives of Indonesia's underbanked communities by offering users fast, secure, and affordable loan options.
As part of the Advance Intelligence Group, a Series-D company and ranked among LinkedIn's Top 15 Startups in Singapore in 2022 (the third year in a row we've been on the list), with over 2,000+ staff worldwide, we are united by a shared vision and purpose: to Advance with Intelligence for a Better Life—for our customers, colleagues, and communities.
Our culture is built on values that are core to who we are and what we stand for:
- We foster an INNOVATION mindset
- We achieve results with EFFICIENCY and excellence
- We take pride in the QUALITY of our work
- We uphold INTEGRITY in all we do
- We embrace COLLABORATION to work across business lines and borders
We are a fast-growing OJK-licensed P2P lending platform on a mission to expand responsible financial access across Indonesia. As we scale our loan portfolio and user base, building a robust operational risk infrastructure is no longer optional; it is foundational.
We are looking for an operational risk lead who brings more than technical knowledge. Someone who can think critically, communicate clearly to non-risk stakeholders, and build a risk-aware culture across the organization. You will be the backbone of our risk control environment, owning the full lifecycle of operational risk from identification to reporting, in direct alignment with PADK 48/2025.
Job Details
Risk Assessment & Control
- Own and maintain the Risk & Control Self-Assessment (RCSA) framework across all business units, ensuring it reflects real operational exposures, not just a compliance checklist.
- Identify, assess, and prioritize operational risk exposures, including system failures, human error, administrative weaknesses, fraud indicators, and IT vulnerabilities in line with PADK 48/2025 Section IV parameters.
- Lead periodic control effectiveness reviews and work with process owners to close gaps proactively.
Incident Management & Root Cause Analysis
- Establish and manage the end-to-end incident tracking process from detection and escalation through root cause analysis and corrective action follow-up.
- Build and maintain an operational loss database; analyze incident trends to detect systemic weaknesses before they escalate.
- Drive post-incident reviews and ensure lessons learned are embedded into process improvements and control enhancements.
Cross-Departmental Process Control
- Partner with Technology, Operations, Finance, and Lending teams to embed risk controls into core business processes, including payment settlement, borrower onboarding, and collections workflows.
- Develop and maintain risk indicators (KRIs) and control metrics dashboards to provide real-time visibility to management.
- Conduct risk awareness sessions and champion a risk-first mindset across departments.
Reporting & Regulatory Compliance
- Prepare and deliver operational risk reports to senior management, the board, and OJK as required under PADK 48/2025.
- Ensure the company's operational risk management practices remain current with regulatory developments and evolving OJK expectations.
- Liaise with internal audit and external reviewers as the primary point of contact for operational risk matters.
Job Requirements
Skills & Competencies
- Strong analytical capability able to turn raw incident data and control test results into meaningful insights and management actions.
- Excellent communication skills in both Bahasa Indonesia and English; able to present risk findings confidently to C-suite and board-level audiences.
- High attention to detail combined with the ability to manage multiple workstreams without losing sight of the bigger picture.
- Self-driven and structured, comfortable operating with minimal supervision in a fast-paced, scaling organization.
- Collaborative and influential, able to drive change through relationship-building rather than authority alone.
