Develop, maintain, and update Standard Operating Procedures and credit policies related to institutional risk and indirect lending.
Ensure the entire risk framework complies with internal guidelines and external regulatory requirements, particularly OJK regulations on channeling, joint financing, and corporate lending.
Build comprehensive risk dashboards and monthly portfolio reports for Senior Management and the Board of Directors, with focus on risk exposure, concentration, and portfolio health.
Conduct in-depth portfolio analysis (historical and projection) to assess the business and financial health of prospective Indirect Lending partners.
Evaluate business models, corporate governance, operational capabilities, and historical loan portfolio performance to determine counterparty risk levels.
Present partner risk assessments and credit memos to the Risk/Credit Committee for approval, including recommendations on partner credit limits and maximum exposure.
Establish institutional Risk Appetite Criteria (RAC) and onboarding policies for channeling partners based on corporate risk rating.
Collaborate with Business and Product teams to set B2C RAC for end-borrowers acquired through partner ecosystems, ensuring alignment with target market risk profile.
Monitor channeling and institutional loan portfolio performance on an ongoing basis, analyzing key metrics such as NPL, vintage performance, roll rates, and early warning indicators.
Job requirement:
Minimum Bachelor's Degree in any major
Minimum 5 years of experience in banking risk management functions, especially related to Partnership & Institutional Credit
Master the provisions of BI, OJK, and applicable laws and regulations related to Bank business activities
Have knowledge in the field of risk management, especially related to Partnership & Institutional Credit
