Credit Operation Associate

PVH (Tommy Hilfiger/Calvin Klein); Jakarta Pusat; On-site; IDR 279,000,000 - 468,720,000; Full time

Benefits offered by this job

Term Life Insurance

Medical Insurance

GrabFlex benefits

Parental leave

Job summary

Grab is seeking an experienced Credit Ops professional to manage end-to-end underwriting for loans in Indonesia. The role focuses on delivering underwriting SLAs, maintaining audit-ready documentation, and implementing credit SOPs across the organization.

You will work with cross-functional teams and report to the Head, Credit Ops & Collection, onsite at the Jakarta office. The ideal candidate has 3+ years of SME lending underwriting experience, strong data-driven decision making, and English

Qualifications

• 3+ years of full-time experience supporting SME loans and related underwriting.
• Experience reviewing external credit bureau data and supporting documents.
• Ability to collaborate with cross-functional stakeholders and drive accountability.
• Experience creating and updating SOPs and policies aligned with control requirements.

Responsibilities

• Lead end-to-end underwriting operations and SLA management for loans in Indonesia.
• Design data analysis approaches to solve business problems with risk controls.
• Manage lending portfolio and address performance or risk issues.
• Collaborate with cross-functional teams to support credit operations.

Skills

Credit underwriting

Data analysis

Stakeholder management

PowerPoint

English communication

Education

Bachelor's degree in Business/Finance

Tools

Excel

Regulatory reporting tools

Job description

Get to Know the Team

The Credit Ops team manages daily credit underwriting operations and safeguards underwriting SLAs across the country. The team works collaboratively and supports one another especially audit readiness. If you enjoy working in a team environment and are looking for a place to grow together, we invite you to join us.

Get to Know the Role

You will manage end-to-end credit underwriting for loans using external credit bureau data and supporting documents where required. You will help ensure underwriting SLA delivery to support sound decision-making and operational continuity. You will also deliver audit-ready regulatory-to-control mapping and maintain traceable evidence packages against agreed milestones. You will also implement existing credit SOP and policy requirements, implement updates linked to audit controls, and ensure clear ownership and risk mitigation. You will drive continuous improvement in key risk metrics and provides fact-based, data-driven reporting to senior and executive management. You will report to the Head, Credit Ops & Collection, working onsite at the Jakarta office.

The Critical Tasks You Will Perform

• Lead end-to-end underwriting operations and SLA management for loans in Indonesia.
• Design data and analysis approaches to solve business problems while maintaining an acceptable level of risk.
• Manage the lending portfolio, including recommending actions to address performance or risk issues.
• Collaborate with business, engineering, compliance, collections, legal, finance, and regional teams to support credit operations.

What Essential Skills You Will Need

• A recognized degree, in Business, Finance, Operations Management, Economics, Computer Science, or a related field.
• 3+ years of full-time experience supporting SME loans and broader consumer lending underwriting or credit operations.
• Experience reviewing and interpreting external credit bureau data and using supporting documentation to support loan decisions.
• Experience collaborating with cross-functional stakeholders and driving accountability for execution and approvals.
• Experience delivering tangible results across previous roles.
• Experience creating and updating SOPs and policies aligned with control requirements, such as audit or regulatory controls.
• The ability to make decisions or provide sound recommendations grounded in data and analytical thinking.
• The ability to influence and collaborate with senior stakeholders across functions, including business, engineering, compliance, collections, legal, finance, and regional teams.
• The ability to create effective PowerPoint presentations.
• A good command of written and spoken English.
• A solid understanding of the local financial regulatory environment, compliance requirements, and customer due diligence processes.
• Ability to work comfortably in variative and in a VUCA (Volatile, Uncertain, Complex, and Ambiguous) environment.
• We prefer prior experience in consulting, problem-solving, or strategy design.
• We prefer prior experience in a start-up and/or financial services environment.

Life at Grab

We care about your well‑being at Grab, here are some of the global benefits we offer:

• We have your back with Term Life Insurance and comprehensive Medical Insurance.
• With GrabFlex, create a benefits package that suits your needs and aspirations.
• Celebrate moments that matter in life with loved ones through Parental and Birthday leave, and give back to your communities through Love-all-Serve-all (LASA) volunteering leave.
• We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through life's challenges.
• Balancing personal commitments and life's demands are made easier with our FlexWork arrangements such as differentiated hours.

What We Stand For at Grab

We are committed to building an inclusive and equitable workplace that enables diverse Grabbers to grow and perform at their best. As an equal opportunity employer, we consider all candidates fairly and equally regardless of nationality, ethnicity, religion, age, gender identity, sexual orientation, family commitments, physical and mental impairments or disabilities, and other attributes that make them unique.