Risk Product Campaign Specialist

Company Description :

We are one of the top 10 biggest banks in terms of assets in Indonesia and listed in the Indonesia Stock Exchange. Permata Bank is a KBMI 3 with a strong core capital of nearly 50 trillion rupiahs. We believe that our employees are our greatest asset, and we are deeply committed to creating an environment where they can Learn, Grow, and Make a difference. This commitment is reflected in the recognition we've received-HR Excellent Award 2024 in the Learning Development and Knowledge Management categories. In addition, we achieve a net profit of over 2 trillions rupiahs in 2024, further solidifying our position as a leading financial institution.

Why PermataBank

Here at PermataBank, you will Learn, Grow, and Make A Difference,

You will have the appetite and the ability to learn many things, challenged to grow beyond ways you can imagine, and see the incredible difference you would have made along the journey.

This is our platform for you. We cannot promise a smooth ride, but rest assured, it is going to be a meaningful journey!

• Learn : We always think innovatively to improve the way we work, making it easier, better and faster.
• Grow : We provide excellent service to customers and encourage excellent performance in our daily work.
• Make a difference : We understand each other and together build strong relationships with internal and external parties based on mutual respect.

Key Responsibilities

Risk & Campaign Analytics

• Support risk-driven product and marketing campaigns through data analysis and customer segmentation

• Develop and execute campaign targeting logic based on risk criteria, behavioral patterns, and product lifecycle

• Apply risk rules such as cut-offs, thresholds, exclusions, and eligibility checks in customer selection

• Support Post campaign team to build timely opportunity database for Analyze post-campaign risk performance (e.g., delinquency, roll-rate, loss indicators) purposes.

Data Preparation & Processing

• Extract, transform, and validate large-scale datasets using SAS and SQL

• Build reusable SAS programs and macros for recurring campaign processes

• Translate business and risk policies into accurate technical logic

• Perform data quality checks and reconciliation to ensure accuracy and audit readiness

Reporting & Documentation

• Produce campaign result datasets, summary tables, and management-ready reports

• Track and report key campaign metrics such as approval rate, take-up rate, and risk outcomes

• Document data logic, assumptions, and campaign rules clearly for governance and audit purposes

Collaboration & Execution

• Work closely with Risk MIS & Policy, CCPL Product, Marketing, Sales, Consumer Loan Ops, CCPL Credit Initiation and IT teams to deliver campaign requirements

• Liaise with Data Science & Advance analytics team to manage propensity model implementation to improve : takers, volume & revenue thru pricing, channel & pefindo cost improvement strategy.

• Support campaign execution within defined timelines and operational constraints

• Ensure compliance with internal risk controls and data governance standards

Requirements

• 3–5 years of experience in risk analytics, credit analytics, or product/campaign analytics
• Experience in banking, financial services, fintech, or consumer lending preferred
• Bachelor's degree in Statistics, Mathematics, Computer Science, Engineering, Economics, or related field from reputable universities

Directorates :

Technology

PT Bank Permata Tbk hereby informs that the company does not impose any charges in the employee recruitment process.