CREDIT ANALYST

rental ponsel indonesia; Jakarta Utara; On-site; IDR 89,280,000 - 133,920,000; Full time

Job summary

rental ponsel indonesia is seeking a credit analyst/auditor to verify documents, assess credit risk, and analyze the relation between income and installments. You will decide to approve, reject, or hold applications within tight timeframes while verifying salary slips and bank statements.

The role requires evaluating credit ratios to ensure customers can afford installments and preventing data forgery with high attention to detail.

Qualifications

• Auditor or credit analyst experience in banking or multifinance.
• Ability to read and analyze salary slips and bank statements.
• Ability to calculate credit ratios to ensure affordability.
• Attention to detail in detecting forgery and data inconsistencies.
• Ability to decide Approve, Reject, or Hold credit applications quickly.

Responsibilities

• Verify document authenticity and prevent forgery.
• Assess consumer data and overall credit risk.
• Evaluate monthly income versus requested installment amounts.
• Determine approval, rejection, or need for additional down payment.
• Read salary slips and bank statements for verification.
• Calculate credit ratios to ensure affordability.
• Identify document forgery and data inconsistencies.
• Make fast credit decision recommendations (Approve/Reject/Hold).

Skills

Credit analysis

Document verification

Fraud detection

Risk assessment

Salary slip analysis

Education

D3/S1 in Accounting

Job description

This role involves verifying the authenticity of documents, assessing consumer data, evaluating credit risk, and preventing potential fraud. You will analyze the relationship between monthly income and requested installment amounts, and determine whether applications should be approved, rejected, or require additional down payment.

Key responsibilities

Examine document authenticity to ensure no forgery

Verify consumer data, assess credit risk, and prevent potential fraud (identity/data falsification)

Analyze comparison of monthly income with requested installment amounts

Determine whether applications are approved, rejected, or require additional down payment

Read and analyze salary slips and bank statements to verify document authenticity

Calculate credit ratios to ensure customers can afford installment payments

Identify potential document forgery and data inconsistencies

Make decisions to Approve, Reject, or Hold credit applications within a short timeframe

About you

Minimum D3 or S1 education in Accounting, Financial Management, Economics, or Banking

Minimum 2 years of experience as an Auditor or Credit Analyst in Banking or Multifinance institutions

Ability to read and analyze salary slips and bank account statements and verify document authenticity

Ability to calculate credit ratios to ensure customers can afford installment payments

Attention to detail in identifying potential document forgery and data inconsistencies

Ability to make Approve, Reject, or Hold decisions on credit applications quickly

Consumer Electronics Manufacturing 51-100 employees