Credit Analyst

infinID; Jakarta Selatan; On-site; IDR 180,000,000 - 300,000,000; Full time

Job summary

infinID in South Jakarta, Indonesia is seeking an experienced Credit Analyst to join our Risks team. You will verify customer applications, prepare comprehensive credit proposals, and collaborate with cross-functional teams to streamline lending processes.

Ideal candidates have at least 2 years in KBMI III/IV banks, with secured lending and Micro/SME loan experience, and a strong analytical mindset to thrive in our fast-paced fintech environment.

Qualifications

• Bachelor’s degree from a reputable university.
• Minimum 2 years of experience as a Credit Analyst in KBMI III or IV banks.
• Experience with secured lending products (e.g., mortgage, multipurpose loans, business loans with collateral).
• Experience in Micro and SME loans is a significant advantage.
• Ability to work in a fast-paced, cross-functional environment.

Responsibilities

• Assess customer applications based on documents and third-party verification results.
• Conduct interviews with potential borrowers to evaluate character, financial capacity, and other factors.
• Perform site visits to assess business operations of entrepreneurs and small business loan applicants.
• Gather additional data proactively to support credit decision-making.
• Prepare detailed credit memos outlining risks, income, repayment capacity, and loan purposes.
• Analyze business transactions to strengthen loan assessments.
• Work with sales, collections, partnerships, operations, and product teams to streamline processes.
• Contribute to improvements in the origination process, loan products, and use of technology.
• Stay updated on current events, emerging industries, market risks, and compliance requirements.

Skills

Analytical skills

Quantitative skills

Attention to detail

Cross-functional teamwork

Fast-paced environment adaptability

Education

Bachelor’s degree from a reputable university

Job description

South Jakarta, Indonesia | Posted on 09/27/2024

We are looking for an experienced Credit Analyst to join our Risks team. In this role, you will verify customer applications and prepare comprehensive credit proposals. If you have a background in KBMI III or IV banks, with experience in Micro & SME loans, and are excited to be part of a growing fintech company, this role is for you!

Key Responsibilities:

• Assess customer applications based on submitted documents and third-party verification results.
  
• Conduct interviews with potential borrowers to evaluate their character, financial capacity, and other key factors.
  

Field & Business Assessment:

• Perform site visits to assess business operations of entrepreneurs and small business loan applicants.
  
• Gather additional data proactively to support credit decision-making.
  

Credit Analysis & Risk Assessment:

• Prepare detailed credit memos outlining risks, customer income, repayment capacity, and loan purposes.
  
• Analyze business transactions, where available, to strengthen loan assessments.
  
• Work closely with sales, collections, partnerships, operations, and product teams to streamline processes.
  
• Contribute to ongoing improvements in the origination process, loan products, and use of technology.
  
• Stay updated on current events, emerging industries, market risks, and compliance requirements to inform credit decisions.
  

Qualifications:

• Bachelor’s degree from a reputable university.
  
• Minimum 2 years of experience as a Credit Analyst in KBMI III or IV banks, focused on secured lending products (e.g., mortgage, multipurpose loans, business loans using property as collateral).
  
• Experience in Micro and SME loans is a significant advantage.
  
• Experience as an Account Officer is a plus.
  
• Strong analytical and quantitative skills with attention to detail.
  
• Ability to thrive in a fast-paced, entrepreneurial environment, working with cross-functional teams.