Credit Analyst — Invoice & PO Financing

Moladin; Pulau Untung Jawa; Vor Ort; IDR 180.000.000 - 260.000.000; Vollzeit

Zusammenfassung

Moladin is Indonesia's leading mobility fintech platform offering end-to-end financing for used cars and EVs. This role conducts credit risk analysis on SME borrowers applying for invoice or PO-based financing, reviews financial statements and credit bureau data, and validates documents to ensure authenticity.

You will assess counterparty credibility, structure risk mitigations, and present proposals to the Credit Committee.

Qualifikationen

• 3+ years of credit risk experience in P2P fintech, banks or similar.
• Underwriting invoice and PO financing applications.
• Strong analytical and communication skills.

Aufgaben

• Perform credit risk analysis on SME borrowers (invoice/PO financing).
• Analyze financials, bank statements, and credit bureau data.
• Validate PO/invoice documents for authenticity.
• Assess counterparty credibility and screening (blacklist, payment reliability).
• Propose risk-adjusted tenor, limits, disbursement controls and covenants.
• Present analyses to Credit Committee with risk/return justification.
• Collaborate with Risk and Credit Ops to ensure timely disbursement and post-disbursement checks.

Kenntnisse

Credit risk analysis

Financial statement review

Jobbeschreibung

Moladin is Indonesia's leading mobility fintech platform offering end-to-end financing for used cars and EVs. This role conducts credit risk analysis on SME borrowers applying for invoice or PO-based financing, reviews financial statements and credit bureau data, and validates documents to ensure authenticity.

You will assess counterparty credibility, structure risk mitigations, and present proposals to the Credit Committee.