Credit Analyst - SME Financing

Moladin; Jakarta Selatan; Presencial; IDR 133 920 000 - 223 200 000; Tempo integral

Resumo da oferta

Moladin, Indonesia’s leading mobility fintech platform, seeks a Credit Risk Analyst to assess SME financing applications (invoice and PO-based). You will analyze financial documents, verify supplier and buyer information, and ensure risk controls across processes.

The role interacts with Risk, Credit Ops, and product teams to optimize disbursement and monitoring. Ideal candidates have 3+ years in underwriting invoice/PO financing within fintech or banks, with strong analytical and communication

Qualificações

• 3+ years in P2P fintech, multifinance or banks with invoice/PO financing underwriting.
• Understanding of credit risk frameworks and underwriting principles.
• Experience engaging with cross-functional stakeholders and documenting analyses.

Responsabilidades

• Perform credit risk analyses for SME borrowers applying for invoice or PO-based financing.
• Review financial statements, bank statements, transaction histories, and credit bureau data.
• Validate purchase orders, invoices, delivery receipts, and supplier contracts for authenticity and eligibility.

Conhecimentos

Credit risk analysis

Financial statement analysis

Communication skills

Regulatory understanding

Attention to detail

Formação académica

Bachelor's in Finance/Accounting

Ferramentas

SLIK/Pefindo data

PO/Invoice financing knowledge

Descrição da oferta de emprego

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