Chief Risk Architect — Fintech & Regulation Strategy

Honest; Indonesia; On-site; IDR 80,000,000 - 180,000,000; Full time

Benefits offered by this job

ESOP

Jakarta office

14 days annual leave

Health insurance

Training course subsidies

Wellness allowance

13th-month festive allowance

Job summary

Honest in Jakarta is seeking a senior risk leader to own risk management across credit, market, operations, liquidity, legal, compliance, and reputation. You will set risk appetite, build systems to catch problems early, and report risk exposure directly to the board.

Lead interactions with OJK, Bank Indonesia, and lending partners, review product changes for risk, and create transparent risk reporting while building a risk-aware culture company-wide.

Qualifications

• Experience in risk management within a regulated financial institution.
• Working knowledge of OJK and Bank Indonesia rules applicable to finance companies and credit card issuers.
• Track record of building risk frameworks, not just maintaining existing ones.
• Comfort representing the company to regulators and lenders; strong board-facing presence.

Responsibilities

• Own risk management across eight risk types required by OJK: credit, market, operational, strategic, liquidity, legal, compliance, and reputation.
• Write and maintain the risk appetite statement, risk limits, and worst-case contingency plan with annual board sign-off.
• Run the risk function independently from business/ops and report risk exposure directly to the board.
• Represent Honest to regulators and lenders on risk matters, including the annual risk profile report.
• Review new products, partnerships, and underwriting changes for risk exposure before launch.
• Build reporting that shows leadership a clear view of actual risk, not just policy.
• Foster a risk-aware culture through training and clear communication.

Skills

Risk management

Regulatory compliance

Analytical thinking

Communication

Fluent English

Education

Bachelor's degree in Finance/Economics/Business

Job description

Honest in Jakarta is seeking a senior risk leader to own risk management across credit, market, operations, liquidity, legal, compliance, and reputation. You will set risk appetite, build systems to catch problems early, and report risk exposure directly to the board.

Lead interactions with OJK, Bank Indonesia, and lending partners, review product changes for risk, and create transparent risk reporting while building a risk-aware culture company-wide.