Post-Loan Credit Risk Portfolio Management Policy & Strategy

About the Company

PT Bank Neo Commerce Tbk, formerly PT Bank Yudha Bhakti Tbk, is an Indonesia-based company primarily engaged in the banking business. The Company operates as a technology-based bank. The Company serves the customers in the Small and Medium Business (SME), Retail (Consumer) and Mass Market segments, through banking products and services embedded in an ecosystem by optimizing technology.

Responsibilities:

• Own portfolio risk strategy after loan origination.
• Develop limit management and customer lifecycle strategies.
• Design transaction monitoring and behavioral risk strategies.
• Optimize early warning systems and portfolio monitoring.
• Develop collection segmentation and recovery strategies.
• Recommend strategy adjustments based on portfolio performance.
• Partner with Collections, Business, Operations and Data.

Qualifications:

• 6–10+ years in Portfolio Risk Management, Behavioral Strategy or Collections Strategy.
• Strong understanding of customer lifecycle management.
• Experience in unsecured retail lending.
• Strong SQL and analytical capability.
• Experience in portfolio optimization and recovery strategy.
• IFRS9/ECL knowledge is a plus.