Who We Are
PT Kredit Biro Indonesia Jaya (Credit Bureau Indonesia, CBI) as one of the private credit bureaus in Indonesia has been established since 2014 and obtained an operational license from Otoritas Jasa Keuangan (OJK) as
Lembaga Pengelola Informasi Perkreditan (LPIP) in 2015.
In November 2021, after obtaining approval from OJK, CBI received additional capital from shareholders and appointed a new management team, which aims to provide new and leading-edge services and products. This new identity will also strengthen CBI's position as the best-in-class, modern and innovative credit bureau in Indonesia.
CBI is a trailblazer in the credit bureau industry, dedicated to fostering a culture of excellence and innovation. We believe in the power of a talented and diverse team to bring cutting-edge solutions to our clients and contribute to the overall success of the financial landscape in Indonesia.
Why Join Us
- Innovative Environment: Continuously investing in cutting-edge technologies, including the powerful realm of artificial intelligence, your role becomes a pivotal part of our journey into the dynamic and evolving landscape of financial services. Being part of our innovative environment is your gateway to an exciting and forward-thinking career
- Impactful Work: We offer more than just a job; we provide an opportunity to play a crucial role in shaping the financial future of individuals and businesses across the nation. As a licensed credit bureau, our commitment to accuracy, reliability, and timeliness sets the stage for impactful work
- Professional Development: We are committed to the growth of our employees. Join a team that encourages continuous learning and offers opportunities for career advancement.
- Collaborative Culture: Work in a collaborative and inclusive environment where your ideas are valued, and teamwork is key to achieving our goals.
Role Overview
The Solutions Consultant (Value Engineering) bridges the gap between complex data capabilities and tangible business outcomes. This is a high-impact, advisory-focused role that goes beyond technical demos. You will act as a strategic partner to Banks and FSIs, using ROI modeling and use-case engineering to quantify the Value of CBI and drive deal conversion.
Key Responsibilities
Strategic Presales & Solutioning
- Solution Architecting: Partner with Business Development to qualify opportunities and design bespoke data solutions covering Credit Risk, Fraud, and the Customer Lifecycle.
- Technical Advisory: Translate complex bureau data, alternative data, and analytics scores into actionable product configurations for clients.
- Bid Management: Lead the technical components of RFP/RFI responses and deliver high-stakes presentations and workshops to Risk and Analytics teams.
Value Engineering (The Core Differentiator)
- Business Case Development: Build rigorous, data-driven ROI models to quantify the impact of CBI solutions on a client's P&L (e.g., Approval Rate Uplift, NPL Reduction, and Cost-of-Risk improvement).
- Value Discovery: Conduct deep-dive Value Assessment studies using historical portfolio benchmarks and Credit Bureau data to prove Day 1 impact.
- Executive Storytelling: Translate technical analytics into high-level narratives for C-suite stakeholders (CROs, CEOs, and Risk Committees).
FSI Use-Case Engineering
- Design and customize high-impact frameworks tailored to the Indonesian market, including:
- Lending & Underwriting: Thin-file and New-to-Credit (NTC) strategies using alternative data for unsecured products (CC, KTA).
- Portfolio Growth: Designing Early Warning Systems (EWS) for delinquency and predictive modeling for limit increases/cross-selling.
- Collections Strategy: Optimizing recovery through propensity-to-pay modeling and segmentation-based prioritization.
Qualifications
- Experience: 5–8 years in Presales, Risk Consulting, or Credit Analytics within the Banking/FSI sector.
- Domain Expertise: Deep understanding of the credit lifecycle, Indonesian bureau data, and regulatory environments (OJK/BI).
- Analytical Rigor: Proficiency in building financial models (ROI/NPV/Payback Period) and interpreting data science outputs.
- Soft Skills: Exceptional executive presence with the ability to simplify complex data into a compelling commercial story.
