Credit Analyst

White Glove Hiring; Jakarta Selatan; On-site; IDR 167,400,000 - 279,000,000; Full time

Job summary

White Glove Hiring mencari Analis Kredit untuk menilai kelayakan kredit calon peminjam dengan menganalisis laporan biro kredit, rekening bank, dan dokumentasi KYC.

Posisi ini melibatkan analisis keuangan, penilaian risiko, pembuatan rekomendasi, serta pengembangan alat penilaian risiko. Kandidat harus mahir Excel dan memahami regulasi keuangan.

Lokasi Jakarta Selatan, bekerja secara onsite, dengan tim lintas fungsi dan peluang pertumbuhan karir.

Qualifications

• Gelar sarjana di Keuangan, Akuntansi, Ekonomi, atau bidang terkait.
• Mampu berbahasa Indonesia dan Inggris (wajib).
• Pengalaman 2–3 tahun dalam analisis kredit pada pinjaman konsumen tanpa jaminan.
• Berpengalaman dengan perangkat lunak analisis kredit dan model scoring.
• Kemampuan menganalisis laporan biro kredit dan pernyataan bank.
• Pemahaman KYC dan verifikasi dokumen.
• Teliti dan akurat; mampu mengelola beberapa tugas secara bersamaan.
• Keterampilan komunikasi & kerja tim; bisa bekerja mandiri.
• Menguasai MS Office, terutama Excel.

Responsibilities

• Menganalisis laporan biro kredit, pernyataan bank, dan dokumen KYC untuk menilai kelayakan kredit.
• Melakukan analisis keuangan dan penilaian risiko atas aplikasi pinjaman.
• Mengembangkan, mengimplementasikan, dan memantau strategi manajemen risiko.
• Mengkomunikasikan keputusan kredit dan bekerja dengan tim internal untuk meningkatkan proses.
• Menyusun laporan penilaian, portofolio, dan presentasi untuk manajemen.
• Mengikuti tren industri, perubahan regulasi, praktik terbaik dalam manajemen risiko.
• Berkontribusi pada pengembangan model dan alat penilaian kredit.

Skills

English

Bahasa Indonesia

Education

Bachelor’s degree in Finance, Accounting, Economics, or related field

Tools

Credit analysis software

Excel

Financial analysis tools

Job description

DESKRIPSI PEKERJAAN

• 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 of loan applications to ensure informed credit decisions that 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.

KUALIFIKASI MINIMUM

• 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 by assuming significant responsibility.