Credit Analyst (ID)

FLIN; Jakarta Pusat; On-site; IDR 89,280,000 - 156,240,000; Full time

Job summary

FLIN in Jakarta requires a Credit Analyst to evaluate applicants' creditworthiness by reviewing credit bureau reports, bank statements, and KYC documents. You will perform detailed financial analyses to support informed loan decisions within our risk framework.

The role calls for 2–3 years of credit analysis experience, proficiency in Bahasa and English, and strong Excel skills to analyze data, monitor risk, and help improve credit assessment processes.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics or related field.
• Proficient in Bahasa and English.
• 2–3 years of credit analysis experience in unsecured lending.
• Experience with credit analysis software and credit scoring models.
• Strong knowledge of KYC regulations and document verification.
• Attention to detail and accuracy in work.
• Strong communication and teamwork skills.
• Proficiency in MS Office, especially Excel.

Responsibilities

• Analyze credit bureau reports, bank statements, and KYC documents to evaluate applicants' creditworthiness and regulatory compliance.
• Perform detailed financial analyses and risk assessments to support loan decisions within risk appetite.
• Develop and monitor risk management strategies, track indicators, and ensure credit policy compliance.
• Communicate credit decisions clearly, collaborate with internal teams, and suggest process improvements.
• Maintain thorough records, prepare activity and portfolio reports for management.
• Stay updated on industry trends, regulations, and best practices in credit risk.
• Contribute to development and enhancement of credit assessment models and tools.

Education

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

Tools

Credit scoring models

KYC software

Job description

• 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.

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.

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.