Credit Risk & Fraud Analytics Lead

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

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.