Credit Analyst - SME Financing

Moladin; Jakarta Pusat; On-site; IDR 180,000,000 - 360,000,000; Full time

Job summary

Moladin is seeking a Credit Risk Analyst to evaluate SME financing applications across invoice and PO-based products. You will review financial data, supplier contracts, and transaction histories to determine creditworthiness and eligibility for funding.

You will work with Risk and Credit Ops teams to ensure timely disbursement while maintaining rigorous risk controls and adherence to regulatory requirements. This role demands meticulous analysis and clear risk communication.

Qualifications

• 3+ years in P2P fintech or banks with invoice/PO financing underwriting.
• Knowledge of credit risk frameworks and regulatory requirements.
• Strong communication with cross-functional teams.
• Diligence and integrity in handling sensitive financial data.

Responsibilities

• Conduct credit risk analysis on SME borrowers for invoice or PO financing.
• Analyze financial statements, bank statements, and credit bureau data.
• Validate supporting documents to ensure authenticity and eligibility.
• Present risk/return proposals to the Credit Committee.

Skills

Credit risk assessment

Underwriting

Financial statement analysis

Communication

Attention to detail

Education

Bachelor's degree in Finance/Accounting/Economics

Tools

Credit bureau data tools

Job description

Responsibilities

• Conduct credit risk analysis on prospective SME borrowers applying for invoice or PO-based financing.
• Analyze financial statements, bank statements, transaction histories, and credit bureau (SLIK/Pefindo) data.
• Validate supporting documents such as purchase orders, invoices, delivery receipts, and supplier contracts to ensure authenticity and eligibility.
• Ensure consistency across documents such as PO vs invoice vs delivery note.
• Check counterparty credibility (e.g., anchor buyers or suppliers), including blacklist screening and payment reliability.
• Assess risk exposure related to invoice factoring, receivables aging, and PO execution.
• Structure recommendations including tenor, limit, disbursement control, and collateral (if applicable).
• Recommend additional covenants or monitoring actions for high-risk exposures.
• Present proposals to the Credit Committee with clear risk/return justification.
• Collaborate with Risk and Credit Ops teams to ensure timely disbursement and post-disbursement checks.
• Flag early warning signals or deviations from approved structures.
• Contribute to product refinement by providing feedback on borrower quality and risk trends.

Requirements

• Minimal3 years of experience in P2P fintech/Multifinance/Banks (must have experience underwriting Invoice Financing and PO Financing applications).
• Understanding of credit risk frameworks, underwriting principles, and regulatory requirements
• Strong communication skills to engage with cross-functional stakeholders.
• Understand credit process and underwriting from loan submission, documentation, policy, approval analysis, collateral security.
• Attention to detail and interested in analyzing customer data, highly responsible, integrity, committed & disciplined.

About Moladin

Moladin is Indonesia’s leading mobility fintech platform with end to end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26,000 active used car agents and dealer MSMEs, and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities, industry-leading AI / IoT and partnerships with all top auto financing companies across Indonesia, and also through its OJK-regulated multi-finance company PT Moladin Finance Indonesia. Moladin’s vision is to be a positive driving force in the physical and social mobility of all the people it touches (“Mobility for all”).

For further information about Moladin, please visit https://moladin.com