Credit Analyst – Fintech Risk & KYC

Kredit Pintar; Jakarta Pusat; On-site; IDR 100,440,000 - 167,400,000; Full time

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 sound credit decisions in line with our risk framework and OJK standards.

You will read financial statements, review bureau reports, and monitor for signs of fraud while maintaining timely decisions and high-quality portfolio hygiene. Join a fast-paced fintech environment focused on responsible lending and growth.

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, or related field.
• At least 1 year of credit underwriting or risk management experience in fintech or lending is a plus.
• Familiarity with credit bureau reporting and KYC processes.

Responsibilities

• Assess and review new and existing loan applications according to SOP and credit policy, ensuring timely decisions.
• Perform end-to-end KYC and due diligence verifications, including identity and documentation checks.
• Read and summarize credit reports, financial statements, profit & loss statements, and balance sheets.
• Identify and report potential fraud patterns, with recommendations to mitigate risk.
• Ensure compliance with internal policies and regulatory requirements.
• Work independently and with the team to meet KPIs and daily targets.
• Contribute to credit process optimization initiatives and projects.

Skills

SQL

Python

KYC

Credit analysis

Fraud detection

Education

Bachelor's degree in Finance, Economics, Accounting

Tools

Loan origination systems

Internal credit tools

Credit bureau tools

Job description

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 sound credit decisions in line with our risk framework and OJK standards.

You will read financial statements, review bureau reports, and monitor for signs of fraud while maintaining timely decisions and high-quality portfolio hygiene. Join a fast-paced fintech environment focused on responsible lending and growth.