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Credit Analyst (ID)

Lamar posisi ini
📍 Jakarta, JakartaCredit & RiskFull TimeOn-Site

Responsibilities:

  • Analyze credit bureau reports, bank statements, and KYC documents to evaluate applicants' creditworthiness, financial health, and compliance with regulatory standards.
  • Conduct detailed financial analyses and risk assessments to assess loan applications and ensure informed credit decisions align with the company's risk appetite
  • Develop, implement, and monitor risk management strategies by identifying potential risks, recommending mitigation measures, tracking key indicators, and ensuring compliance with credit policies and regulatory guidelines.
  • Effectively communicate credit decisions, collaborate with internal teams to gather insights, and provide recommendations to enhance the credit assessment process and tools.
  • Maintain detailed records of credit assessments, prepare reports on activities and portfolio performance, and support management with reports and presentations.
  • Stay updated on industry trends, regulatory changes, and best practices in credit risk management.
  • Contribute to the development and enhancement of credit assessment models and tools.


Qualifications:

  • Bachelor’s degree in Finance, Accounting, Economics or a related field.
  • Proficient in Bahasa and English (Must have)
  • Minimum of 2-3 years of experience in credit analysis in unsecured consumer lending.
  • Experience with credit analysis software, tools, and credit scoring models.
  • Proficiency in analyzing consumer bureau reports and bank statements.
  • Strong understanding of KYC regulations and document verification processes.
  • Attention to detail and accuracy in work.
  • Ability to handle multiple tasks and prioritize effectively.
  • Strong communication and interpersonal skills with an ability to work independently and as part of a team.
  • Proficiency in MS Office Suite, particularly Excel and financial analysis tools.
  • A strong personality who likes to build things from scratch, prioritizes learning, and wants to grow sustainably (not hyper-growth) by assuming significant responsibility.