Specialist, Portfolio Risk

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 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 life 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
  
  

Hiring: Risk Portfolio Specialist — Be the Early Warning System for Our Lending Portfolio

Job Description

• Execute and continuously improve the portfolio risk monitoring framework across lending products.
• Monitor portfolio performance, approval rates, rejection reasons, utilization, and key risk metrics, including early delinquency indicators, repayment behavior, roll rates, profitability, and other portfolio health indicators.
• Partner with Funding, Risk Strategy, Business, and Operations teams to optimize lender allocation while maintaining portfolio quality.
• Evaluate the impact of underwriting strategy, pricing changes, and portfolio actions on portfolio performance
• Perform portfolio segmentation analysis and product performance.
• Build dashboards and management reports covering portfolio quality, profitability, and key risk indicators.
• Identify portfolio trends and establish early warning indicators for deterioration by lender, product, or customer segment.
• Conduct ad hoc analyses to support strategic portfolio decisions
  
  

Job Requirements

• Minimum 2-3 years experience as a risk analyst, MIS analyst or data analyst
• Bachelor's degree with GPA minimum 3.0 (out of 4.0)
• English conversational proficiency is a must
• Strong working knowledge of SQL and Excel is a must
• Strong analytical skills, high comfort with numbers and ability to put attention to details as demonstrated from previous work experience / projects
• Comfortable working independently in a dynamic and fast-paced environment
  
  

Basic programming skills in Python is preferred but not mandatory