Credit Operation Strategy Supervisor

PT Moladin Finance Indonesia; Jakarta Utara; On-site; IDR 12.000.000 - 18.000.000; Full time

Job summary

A leading financing solutions company in Jakarta is seeking a candidate to lead loan disbursement coordination, ensuring efficient processes and adherence to compliance. Responsibilities include monitoring collateral transactions, supervising team performance, and implementing operational improvements. Candidates should have a Bachelor’s degree and 2-3 years of operational experience, ideally in fintech, with proficiency in Excel and data analysis tools. The role requires a detail-oriented individual, willing to work fully from the office.

Qualifications

• Minimum 2-3 years of experience in operations, with at least 1 year in a supervisory or team lead role at P2P fintech.
• Experience in handling invoice/PO-based financing or structured lending.
• Ability to translate data into actionable insights.

Responsibilities

• Lead and supervise loan disbursement coordination.
• Monitor collateral movements and transactions.
• Develop and implement process improvements.

Skills

Operational risk identification

Team supervision

Data analysis

Experience with financing products

Proficiency in Excel

Education

Bachelor’s degree in Management, Business Administration, Economics, or related field

Tools

Excel

Google Sheets

Power BI

Tableau

Job description

Lead and supervise loan disbursement coordination, ensuring documentation completeness, approval compliance, and process accuracy.

Monitor and oversee all collateral movements and transactions; the end-to-end process of collateral handling, including registration, safekeeping, transfer, release, and reconciliation of collateral.

Identify operational risks and inefficiencies, propose solutions, and escalate issues as the first point of contact.

Develop and implement process improvements to increase operational efficiency and effectiveness.

Supervise team performance, set targets, and ensure alignment with SOPs and organizational goals.

Manage and oversee Post-Dated Checks (PDC) and Joint Accounts processes.

Collaborate with cross-functional teams to support strategic operational initiatives and process enhancements.

Moladin is Indonesia’s leading mobility marketplace 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.

Requirements

• Bachelor’s degree in Management, Business Administration, Economics, or related field.
• Minimum 2-3 years of experience in operations, with at least 1 year in a supervisory or team lead role at P2P fintech.
• Experience handling products like invoice / PO-based financing, escrow/joint accounts, or structured lending is a must.
• Having knowledge of the disbursement process, custody, and monitoring fund flows, and flag anomalies.
• Experience in data analysis, reporting, and dashboard creation to support operational decision-making.
• Proficiency in Excel (pivot tables, VLOOKUP, formulas), Google Sheets, and familiarity with BI tools (Power BI, Tableau, or equivalent) is a plus.
• Ability to translate operational data into actionable insights and performance metrics.
• High attention to detail with strong time management and organizational skills.
• Willing to work fully from office (Jakarta).