Credit Analyst

HiLoker; Jakarta Selatan; On-site; IDR 133,920,000 - 245,520,000; Full time

Job summary

FLIN is a financial technology and advisory firm operating in Indonesia. We seek an experienced Credit Analyst to assess creditworthiness for unsecured loans in the Indonesian market, focusing on KYC, bureau reports, and bank statements to minimize risk and maximize profitability.

The ideal candidate holds a Bachelor’s in Finance/Accounting/Economics, with 2–3 years’ credit analysis experience, fluent Bahasa and English, and proficiency in credit scoring tools and MS Excel.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics or related field is required.
• 2–3 years of credit analysis experience in unsecured lending is required.
• Proficient in analyzing consumer bureau reports and bank statements.
• Strong knowledge of KYC regulations and document verification processes.
• Fluent in Bahasa Indonesia and English; strong communication skills are essential.

Responsibilities

• Analyze credit reports, bank statements, and KYC to assess creditworthiness.
• Perform risk assessments to support informed credit decisions and risk appetite alignment.
• Develop and monitor risk management strategies and indicators.
• Prepare records and reports on credit activities and portfolio performance.
• Collaborate with internal teams to improve assessment tools and processes.
• Stay updated on regulatory changes and best practices in credit risk management.

Skills

Bahasa Indonesia & English

Credit analysis

KYC compliance

Financial statement analysis

Communication skills

Attention to detail

Education

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

Tools

Credit scoring tools

MS Excel

Credit analysis software

Job description

Responsibilities

• 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 to assess loan applications and ensure informed credit decisions 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.

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 to assess loan applications and ensure informed credit decisions 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

About FLIN

Pengelolaan Utang

Mission: Our mission is to assist borrowers in reducing leverage, managing financial risk, and achieving debt-free status over the medium to long run.

Temukan lebih banyak

Pengelolaan Utang

Kejahatan Perusahaan & Keuangan

loan

How’s our Company Works: Our core business is consultancy and financial technology, focusing on distressed assets and the subprime sector across the Asia-Pacific region. Through cutting-edge technology and a robust platform, we offer Loan Consolidation (Debt relief) and Refinancing programs. Initially, we will focus on various personal loans, both Sharia-compliant and non-Sharia, to help consumers pay down debt faster and take control of their finances. Operating in stealth mode until the end of 2024, we leverage partnerships and deep industry expertise to reduce the distressed asset market, creating opportunities for recovery and growth.

Keuangan

Temukan lebih banyak

Loan

Lowongan Pekerjaan

Kredit & Pinjaman

Our Investors: Backed by reputed strategic investors and operators from the USA and India.

We are seeking an experienced Credit Analyst to join our company FLIN (Maybright Asia Pacific PTE. LTD.) headquartered in Singapore, specializing in unsecured loans for subprime borrowers in the Indonesian Market.

Good To have: Strong background in financial services and knowledge of personal finances, loans, leverage, and financial risk management.

We seek a detail-oriented, experienced Credit Analyst that has a strong understanding of analyzing consumer bureau reports, bank statements, and KYC (Know Your Customer) documents. The Credit Analyst will be responsible for assessing the creditworthiness of applicants, ensuring compliance with company policies, and minimizing risk while maximizing profitability.

Qualifications

• 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 (not hyper-growth) by assuming significant responsibility.

RINGKASAN PERKERJAAN

• *SPESIALISASI**: Management and Consultancy
• *PENDIDIKAN MINIMAL**: S1 (Sarjana)
• *SISTEM KERJA**: On-site
• *TIPE PEKERJAAN**: Full time
• *LOKASI**: South Jakarta, DKI Jakarta, Indonesia
• *INDUSTRI**: Financial Services
• *SITUS PERUSAHAAN**: https://flin.co.id/
• *JUMLAH LOWONGAN**: 2 posisi

TENTANG PERUSAHAAN

FLIN is a financial technology and advisory firm specializing in distressed consumer credit and subprime segments across Asia-Pacific.

FLIN delivers structured solutions to salaried employees (B2C) focused on: Debt Restructuring, Loan Consolidation, Refinancing Programs and Mediation and Negotiation Advisory

We are a profitable company with a group AUM of USD 400Mn+ as on FYE Mar 2026, backed by strategic investors from the US and India who manage diversified multi-million-dollar portfolios across finance, tech, and energy.

Our mission is to simplify financial health for everyday consumers (salaried employees) through innovation, empathy, and execution.