Credit Policy & Risk Analytics Manager

PT KB Finansia Multi Finance; Jakarta Utara; On-site; IDR 350,000,000 - 700,000,000; Full time

Job summary

PT KB Finansia Multi Finance (Kreditplus) is seeking a Credit Policy & Risk Analytics Manager to lead the development and evaluation of credit policies and risk analytics, ensuring effective risk management, healthy credit performance, and sustainable business growth.

The role focuses on building and improving credit policy, parameterization, and risk measurement frameworks, while collaborating with cross-functional teams to strengthen risk mitigation and portfolio quality.

Qualifications

• Bachelor's degree or higher in finance, economics, or related field.
• 5+ years of relevant experience in credit policy, risk analytics, or portfolio analytics.
• Experience in banking, multifinance, fintech, or financial services preferred.
• 2+ years in a managerial or supervisory role preferred.

Responsibilities

• Lead development and enhancement of credit policies and procedures.
• Evaluate policy performance and identify opportunities to improve credit quality.
• Develop credit risk analysis frameworks, tools, and performance measures.
• Monitor portfolio quality and provide actionable recommendations to management.
• Provide risk-related input on risk appetite, pricing, and models.
• Lead review of allowances/provisions based on PD/LGD models.
• Conduct industry benchmarking to drive continuous improvement.
• Collaborate with Credit Scoring, MIS, IT, Finance, and other functions to drive initiatives.

Skills

Credit risk analytics

Credit policy development

Portfolio analytics

Stakeholder management

Data-driven decision making

Communication

Education

Bachelor's degree in Finance

Tools

SQL

Python

Excel

Job description

PT KB Finansia Multi Finance (Kreditplus)

Are you passionate about credit strategy, risk analytics, and portfolio performance?

We are looking for a Credit Policy & Risk Analytics Manager to lead the development and evaluation of credit policies and risk analytics, ensuring effective risk management, healthy credit performance, and sustainable business growth.

What You’ll Do

Lead the development and enhancement of credit policies and procedures, including Risk Acceptance Criteria, authorization limits, credit document requirements, credit approval processes, and other credit parameters.

Lead the evaluation of credit policy, procedure, and deviation performance and identify opportunities to improve credit quality and strengthen risk mitigation.

Develop and enhance credit risk analysis frameworks, methodologies, parameters, tools, and performance measures to support credit quality monitoring.

Monitor credit portfolio quality and performance, develop credit quality forecasts, and provide actionable recommendations to Management and related functions.

Provide credit risk analysis and recommendations related to risk appetite, risk-based pricing, risk mitigation, and other credit risk models to support business and risk decisions.

Lead the review and analysis of allowance/provision based on credit impairment models, including PD and LGD.

Conduct industry research and benchmarking on credit policies, processes, systems, tools, and risk practices to identify opportunities for continuous improvement.

Collaborate with Credit Scoring, Credit MIS, Business, IT, Finance, and other related functions to drive credit policy and risk improvement initiatives.

What We’re Looking For

Bachelor's degree in Statistics, Mathematics, Actuarial Science, Economics, Finance, Business, or other relevant fields.

Minimum 5 years of relevant experience in credit policy, credit risk analytics, credit risk management, portfolio analytics, or related areas, preferably in banking, multifinance, fintech, or financial services.

Minimum 2 years of experience in a managerial or supervisory role.

Strong experience in credit policy and procedure development, evaluation, and implementation.

Strong understanding of credit risk analysis, portfolio performance, credit parameters, and risk mitigation.

Experience in credit quality forecasting, risk appetite, risk-based pricing, or credit risk modeling is highly preferred.

Good understanding of PSAK 71/IFRS 9, PD, LGD, and ECL is an advantage.

Strong analytical and problem-solving skills with the ability to translate data into actionable business and risk recommendations.

Strong communication, stakeholder management, and cross-functional collaboration skills.

Experience in industry research, benchmarking, and continuous improvement initiatives is an advantage.

Why Join Us?

At Kreditplus, you will have the opportunity to shape credit policies and risk strategies that directly influence portfolio quality and sustainable business growth.

You will work closely with multiple functions to turn credit insights into strategic decisions, while continuously improving our credit risk management capabilities.

PT Finansia Multi Finance was established in 1994 and is fully licensed to carry out various multi-finance activities including consumer financing, leasing, factoring and credit cards. To further strengthen customer confidence and trust, on July 3, 2020, PT Finansia Multi Finance officially joined KB Kookmin Card, the largest financial group in South Korea and changed its name to PT KB Finansia Multi Finance (PT KB FMF). Currently, PT KB FMF has more than 8,000 employees spread across 200 branches throughout Indonesia. PT KB FMF is committed to being the best financing institution in Indonesia.

PT Finansia Multi Finance was established in 1994 and is fully licensed to carry out various multi-finance activities including consumer financing, leasing, factoring and credit cards. To further strengthen customer confidence and trust, on July 3, 2020, PT Finansia Multi Finance officially joined KB Kookmin Card, the largest financial group in South Korea and changed its name to PT KB Finansia Multi Finance (PT KB FMF). Currently, PT KB FMF has more than 8,000 employees spread across 200 branches throughout Indonesia. PT KB FMF is committed to being the best financing institution in Indonesia.