Credit Analyst [Productive]

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

Kredit Pintar is one of Indonesia’s leading digital lending platforms that is licensed, registered, and supervised by the Financial Services Authority (OJK). Kredit Pintar has over 10 million downloads and a 4.4-star rating on Google Play. Kredit Pintar is part of Atome Financial, a leading fintech company with extensive experience in consumer finance and promoting financial inclusivity through artificial intelligence technology.

We are committed to leveraging AI technology to improve the lives of Indonesia's underbanked communities by offering users fast, secure, and affordable loan options.

As part of the Advance Intelligence Group, a Series D company and ranked among LinkedIn's Top 15 Startups in Singapore in 2022 (the third year in a row we've been on the list), with over 2,000+ staff worldwide, we are united by a shared vision and purpose: to Advance with Intelligence for a Better Life—for our customers, colleagues, and communities.

Our culture is built on values that are core to who we are and what we stand for:

• We foster an INNOVATION mindset
• We achieve results with EFFICIENCY and excellence
• We take pride in the QUALITY of our work
• We uphold INTEGRITY in all we do
• We embrace COLLABORATION to work across business lines and borders

We are looking for a detail-oriented and analytical credit analyst to join our growing credit team. You will be responsible for evaluating loan applications, conducting KYC and due diligence reviews, and ensuring sound credit decisions that align with our risk framework and OJK regulatory standards. This role is critical in maintaining the quality of our lending portfolio while supporting business growth targets.

Job Descriptions

• Assess and review new and existing incoming loan applications based on internal SOP and credit policy, ensuring timely and accurate credit decisions within daily pipeline targets.
• Conduct end-to-end KYC and due diligence reviews, including verification of customer identity, documentation authenticity, and cross-checking declared borrower information through phone or live video call verification.
• Read and summarize SLIK/credit bureau reports, company financial statements, profit & loss statements, and balance sheets as part of the credit assessment process.
• Identify, analyze, and report potential fraud or scam patterns, both existing and emerging, to the supervisor, along with recommendations based on review findings.
• Ensure full adherence to internal credit policies, OJK/POJK regulatory requirements, and applicable compliance standards throughout the review process.
• Work independently and collaboratively within the team to consistently meet and exceed established KPIs, quality performance indicators, and daily review targets.
• Participate in continuous improvement initiatives and contribute to assigned projects related to credit process optimization.

Job Requirements

Experience & Background

• Minimum S1 degree in Finance, Economics, Accounting, or a related field
• Minimum 1 year of experience in credit underwriting or risk management within multifinance, commercial/SME banking, or fintech P2P lending experience is a plus

Technical Knowledge

• Solid understanding of productive and non-productive loan categories, including secured and unsecured facilities
• Familiarity with SLIK/iDEB credit bureau reporting and how to interpret credit history data
• Experience conducting phone verification or live video call borrower verification
• Basic to intermediate proficiency in SQL or Python for data querying and analysis (preferred)
• Comfortable working with loan origination systems and internal credit tools

Soft Skills

• Strong analytical skills with close attention to detail
• Good communication skills in Bahasa Indonesia; working proficiency in English
• Ability to manage personal workload, prioritize tasks, and perform consistently in a fast-paced, deadline-driven environment

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