Credit Analyst - Fintech KYC & Risk Expert

Kredit Pintar

Jakarta Pusat

On-site

IDR 89,280,000 - 156,240,000

Full time

14 days+

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Job summary

Kredit Pintar is seeking a detail-oriented credit analyst to join our growing credit team in Jakarta. You will evaluate loan applications, perform KYC and due diligence, and ensure credit decisions align with our risk framework and OJK standards.

Ideal candidates have a minimum 1 year in credit underwriting or risk, a Finance/Accounting background, and strong analytical skills. Proficiency in Bahasa Indonesia and working English is preferred, with SQL/Python being a plus.

Qualifications

Bachelor's degree in Finance, Economics, Accounting, or a related field is required.
Minimum 1 year of experience in credit underwriting or risk management is preferred.
Experience with SLIK/iDEB credit bureau reporting is a plus.

Responsibilities

Assess and review new and existing loan applications based on internal SOP and credit policy, ensuring timely credit decisions.
Conduct end-to-end KYC and due diligence reviews, including identity verification and documentation checks.
Read and summarize SLIK/credit bureau reports, financial statements, and P&L/balance sheets as part of credit assessment.
Identify, analyse, and report potential fraud or scam patterns to the supervisor with recommendations.
Ensure adherence to internal policies, OJK/POJK requirements, and compliance standards throughout the review process.
Work independently and with the team to meet KPIs and daily review targets.
Participate in continuous improvement projects related to credit process optimization.