Credit Analyst - SME Financing

Moladin; Pulau Untung Jawa; Presencial; IDR 180 000 000 - 260 000 000; Tempo integral

Resumo da oferta

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.

Qualificações

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

Responsabilidades

• 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.

Conhecimentos

Credit risk analysis

Financial statement review

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