Credit Risk Analyst (Mandarin Speaker)

PT Idana Solusi Sejahtera; Jakarta Selatan; On-site; IDR 167,400,000 - 279,000,000; Full time

Job summary

Idana Solusi Sejahtera, PT, based in Jakarta, seeks a Credit Risk Analyst to manage risk across the entire lending process from registration to post-loan performance.

The role requires expertise in credit risk assessment, data analytics, and ML-based modelling, with 2+ years in fintech or financial services. Strong SQL and English/Mandarin communication are essential for cross-functional work.

Qualifications

• Bachelor's degree in statistics, maths, data science, CS, engineering, economics, or finance is required.
• Minimum 2 years of experience in Credit Risk, Risk Analytics, Data Analytics, or related field.
• Experience in P2P Lending/Fintech Lending, Multifinance, Banking, or financial services industry.
• Understanding of credit risk assessment, credit scoring, risk policy, and fraud detection.
• Strong data analysis capabilities and ability to process large volumes of data.
• Good SQL skills; Python/R/Excel as a plus.
• Understanding of statistical analysis, regression, predictive modelling, or ML for credit risk.
• Understanding of SLIK and credit information in risk assessment.
• English and Mandarin communication skills required.

Responsibilities

• Analyze risks across the lending process from registration to post-loan performance.
• Develop credit risk rules, approval criteria, and risk mitigation strategies.
• Collaborate with Product and IT to automate decisioning and risk engines.
• Assess customer profiles using SLIK data and support verification.
• Perform statistical analyses and model testing to identify risk factors.
• Monitor portfolio performance and identify changes in risk indicators.
• Analyze customer behavior and fraud indicators; recommend mitigations.
• Handle daily risk case analysis and investigations with relevant teams.
• Coordinate policy implementation with Risk, Product, IT, Data, Operations.

Skills

SQL

Python

R

Excel

Data analysis

Statistical modelling

Communication

Problem solving

Education

Bachelor's degree in Statistics, Mathematics, Data Science, Computer Science, Engineering, Economics, Finance, or related field

Tools

SQL

Python

R

Excel

Job description

This role involves comprehensive credit risk analysis and management across the entire lending process, from customer registration and data verification through credit scoring, approval/disbursement, and post-loan performance monitoring. You will identify potential payment defaults and portfolio quality risks, develop and implement risk policies and rules, conduct statistical modelling and analysis, monitor portfolio performance, and investigate fraud and behavioral risks. The position requires cross-functional collaboration with Product, IT/Engineering, Data, Operations, and Business teams.

Key responsibilities

Analyze and identify potential risks across the entire lending process, including registration, data verification, credit scoring, approval/disbursement, and post-loan customer performance to identify potential defaults and portfolio quality risks

Conduct analysis of internal and third-party data to identify risk indicators, and develop credit risk rules, approval/rejection criteria, and risk mitigation strategies

Collaborate with Product and IT/Engineering teams to translate risk policy and decision rules into automated credit decisioning and risk engine systems

Analyze SLIK and credit information data to assess customer profiles and risk levels, and support SLIK verification for customer assessment and employee screening

Perform data exploration, statistical analysis, regression analysis, feature analysis, and model testing to identify effective formulas and parameters for identifying and categorizing customer risk levels

Monitor portfolio performance regularly, identify changes in risk indicators and delinquency/default patterns, and conduct root-cause analysis on risk increases

Analyze customer behavior patterns and fraud indicators based on daily operational cases, and provide rule recommendations and mitigation actions

Handle daily risk case analysis and investigation, including anomaly detection, fraud investigation, and customer behavior analysis, with recommendations to relevant teams

Coordinate with Risk, Product, IT/Engineering, Data, Operations, and Business teams on policy implementation and system evaluation

About you

Bachelor's degree in Statistics, Mathematics, Data Science, Computer Science, Engineering, Economics, Finance, or related field

Minimum 2 years of experience in Credit Risk, Risk Analytics, Data Analytics, Data Science, or related field

Experience in P2P Lending / Fintech Lending, Multifinance, Banking, or financial services industry

Understanding of credit risk assessment, credit scoring, risk policy, and fraud detection

Strong data analysis capabilities and ability to process large volumes of data

Good SQL skills; experience with Python / R / Excel advanced or data processing tools is a plus

Understanding of statistical analysis, regression, predictive modelling, feature analysis, or machine learning for credit risk is a plus

Understanding of SLIK and credit information and their use in credit risk assessment

Active communication ability in English and Mandarin, both verbal and written; Mandarin language proficiency is a key requirement for this position

Ability to work independently and cross-functionally with Product, IT, Data, Operations, and Business teams; demonstrates ownership, proactivity, attention to detail, responsiveness, and accountability

Idana Solusi Sejahtera, PT is subsidiary of the China MNC. HC Financial Service Group (HCFS) is having global locations in Asia. HC Financial Service Group (HCFS) is one of top-10 China’s leading internet finance companies. We target those traditionally under-banked customers and provide diversified services, covering wealth management, PE/VC investment, unsecured personal loans, auto & home equity loans. Our platform takes a revolutionary approach, empowering millions of customers to achieve financial wellness and personal goals. Founded in 2011 with its global headquarter in Beijing, HCFS has around 40,000 employees and offices in over 300 cities across the country. It has served over millions of customers. HCFS is committed to continuously investing and innovating in financial technologies, and in constantly improving the customer services.

Our product is called CairinID and already registered at OJK

Idana Solusi Sejahtera, PT is subsidiary of the China MNC. HC Financial Service Group (HCFS) is having global locations in Asia. HC Financial Service Group (HCFS) is one of top-10 China’s leading internet finance companies. We target those traditionally under-banked customers and provide diversified services, covering wealth management, PE/VC investment, unsecured personal loans, auto & home equity loans. Our platform takes a revolutionary approach, empowering millions of customers to achieve financial wellness and personal goals. Founded in 2011 with its global headquarter in Beijing, HCFS has around 40,000 employees and offices in over 300 cities across the country. It has served over millions of customers. HCFS is committed to continuously investing and innovating in financial technologies, and in constantly improving the customer services.

Our product is called CairinID and already registered at OJK

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