Credit and Portfolio Risk Management

PT Amartha Mikro Fintek (Jakarta); Daerah Khusus Ibukota Jakarta; On-site; IDR 12,000,000 - 30,000,000; Full time

Job summary

An established industry player is seeking a skilled professional to join their digital risk management team. In this role, you will track and analyze the performance of lending portfolios, providing valuable insights and recommendations to enhance credit policies and risk limits. Collaborating with cross-functional teams, you will develop monitoring dashboards and reports, ensuring alignment with business strategies. This opportunity offers a chance to make a significant impact in a technology-driven financial ecosystem that empowers micro-businesses across Indonesia. If you are passionate about data analytics and risk management, this role is perfect for you.

Qualifications

• 5+ years of experience in credit risk analytics or portfolio management.
• Strong proficiency in data analytics tools like SQL, Python, and R.

Responsibilities

• Monitor lending portfolio performance and track key metrics.
• Provide insights and recommendations on portfolio health to stakeholders.

Skills

Data Analytics

Credit Risk Analytics

Portfolio Management

Problem-Solving

Communication Skills

Education

Bachelor’s degree in Information Technology

Bachelor’s degree in Finance

Bachelor’s degree in Economics

Bachelor’s degree in Engineering

Bachelor’s degree in Business Administration

Tools

SQL

Python

R

Advanced Excel

Job description

At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We’ve supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2025, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.

About The Role

This role will be under our digital risk management team. This role will be responsible for tracking the lending portfolio's performance, analyzing trends and risks across segments, and providing insights to stakeholders on portfolio health. You will suggest adjustments to credit policies and risk limits, work with credit risk, underwriting, and data science teams to align risk models with business strategy, and create monitoring dashboards. Additionally, you will help develop lending risk policies and prepare regular reports on credit risk and portfolio performance.

Responsibilities

• Monitor the performance of the lending portfolio, tracking key metrics.
• Conduct portfolio segmentation and cohort analysis to identify performance trends and potential risks across different segments and products.
• Provide actionable insights and recommendations to stakeholders on portfolio health, suggesting adjustments to credit policy and risk limits.
• Work closely with the credit risk and underwriting teams to align risk models with overall credit policy and business strategy.
• Collaborate with the Data Science team in the preparation of datasets required to create monitoring dashboards and conduct ad-hoc assessments.
• Participate in the creation of risk policies that govern the lending process and activities.
• Prepare regular reports on credit risk and portfolio performance for stakeholders.

Requirements

• Bachelor’s degree in Information Technology, Finance, Economics, Engineering, Business Administration, or a related field.
• 5+ years’ experience in credit risk analytics, portfolio management, or risk management, preferably within banking, multifinance, or fintech.
• Strong proficiency in data analytics tools e.g., SQL, Python, R, and advanced Excel.
• Expertise in portfolio management handling lending portfolios in retail lending; both consumer and productive lending experience is a plus.
• Strong analytical and problem-solving skills, with the ability to interpret data and make informed decisions.
• Excellent communication and collaboration skills with the ability to work across teams and with external partners.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.