Credit Analyst

Moladin; Daerah Khusus Ibukota Jakarta; On-site; IDR 100,000,000 - 200,000,000; Full time

Job summary

A leading mobility fintech platform in Indonesia seeks a Credit Analyst to conduct credit assessments and make informed decisions on financing applications. The role involves thorough analysis of credit worthiness, maintaining application targets, and collaborating with sales teams to mitigate lending risks. The ideal candidate will possess a Bachelor's degree and at least 2 years of relevant experience, with strong skills in Excel and communication.

Qualifications

• Minimum 2 years experience in dealer financing or credit analysis.
• Advanced in Microsoft Excel and understanding of financial statements.

Responsibilities

• Conduct daily reviews and make credit decisions for applications.
• Analyze credit worthiness of debtors and assess potential credit losses.
• Provide recommendations for credit approval based on analysis.

Skills

Credit Analysis

Fraud Detection

Communication

Attention to Detail

Education

Bachelor’s Degree

Tools

Microsoft Excel

MS Word

Job description

Responsibilities

• Conduct daily reviews and make credit decisions for all incoming applications in the pipeline based on applicable credit policies and SOP.
• Thoroughly analyzing and assessing credit worthiness of debtor through detail analysis of credit performance in bureau, character, income, collateral and repayment capacity.
• Maintain the daily targeted numbers of incoming applications to be reviewed as well as comitted SLA.
• Performing know-your-customer (KYC) process, document authentication, data verification (PV or Survey result), fraud detection, and assesing for any potential credit losses.
• Work independently and in a team environment to meet established objectives, KPI and quality performance indicators with ensuring adherence to policy implementation.
• Provide recommendations for approval or not on the results of credit analysis that has been carried out (from a legal, financial, business and background perspective of the prospective customer).
• Can propose a mitigation proposal for financing customers for minimize the risk of lending and able to communicate the solution to sales/marketing/business.

Requirements

• Minimum a Bachelor’s Degree from top local or overseas universities with an excellent GPA.
• Having experience in dealer financing business with minimum 2 years, related with credit analyst orcredit operation experience.
• Advanced in Microsoft Excel skills, MS Word is a must and high understanding of financial statements and business process
• Possess good knowledge in Credit Analysis, Fraud Anomalies & Fraud Detection
• Superb attention to detail and interest in analyzing customer data, highly responsible, integrity, committed & disciplined
• Care about doing an excellent job and exceeding expectations with the quality of what you do in fast-paced environment
• Solid oral and written communication skills and ability to communicate the credit recommendation properly backed up with strong judgement.

About Moladin

Moladin is Indonesia’s leading mobility fintech platform with end to end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26,000 active used car agents and dealer MSMEs, and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities, industry-leading AI / IoT and partnerships with all top auto financing companies across Indonesia, and also through its OJK-regulated multi-finance company PT Moladin Finance Indonesia. Moladin’s vision is to be a positive driving force in the physical and social mobility of all the people it touches (“Mobility for all”).

For further information about Moladin, please visit https://moladin.com