Credit Risk Manager

akulaku group; Indonesia; On-site; IDR 360,000,000 - 600,000,000; Full time

Job summary

akulaku group is seeking a Senior Credit Risk Manager to oversee BNPL risk operations, from underwriting to approvals, and to develop data-driven credit policies aligned with risk appetite. You will monitor portfolio health, collaborate with cross-functional teams, and ensure OJK compliance while leading and coaching the credit team.

The role requires 5–8 years in credit roles in banking/fintech, with 3+ years at senior level, and a strong background in credit modeling and risk-based pricing in

Qualifications

• Bachelor's degree in Economics, Finance, Accounting, Statistics, or Engineering.
• 5–8 years in credit roles in banking/fintech, with at least 3 years at Assistant Manager/Manager level.
• Strong understanding of credit processes: screening, scoring, underwriting, modeling, and risk-based pricing.
• Experience managing consumer lending portfolios (BNPL) and implementing credit policies.
• Awareness of OJK regulations and evolving digital lending trends in Indonesia.
• Professional certifications (SPPI, Risk Management, BSMR, Data Analytics) are a plus.

Responsibilities

• Oversee BNPL credit risk operations (underwriting, screening, approvals).
• Develop and implement credit policies aligned with risk appetite.
• Monitor portfolio performance: FPD, NPL, vintage analysis, roll rate.
• Collaborate with Risk, Collections, Fraud, Data, Product; report to leadership.
• Ensure compliance with OJK regulations; prepare documentation.
• Lead, coach, and develop credit team; manage KPIs.

Skills

Credit risk management

Underwriting

Policy development

Data analytics

Portfolio management

Team leadership

Education

Bachelor's degree in Economics/Finance/Accounting/Statistics/Engineering

Job description

Responsibilities

• Oversee all BNPL credit risk operations (online & offline), including underwriting, screening, and approval processes
• Develop, review, and implement BNPL credit policies aligned with company risk appetite; optimize data-driven credit strategies (rule-based & scorecards)
• Track and manage portfolio performance (FPD, NPL, vintage analysis, roll rate) and create action plans to maintain credit quality
• Work closely with Risk, Collections, Fraud, Data, and Product teams, and coordinate with senior management (BOD) and external vendors
• Ensure full compliance with Otoritas Jasa Keuangan (OJK) regulations, prepare relevant documentation
• Lead, coach, and develop the credit team, including performance management and KPI review

Requirements

• Bachelor's degree in a relevant field (e.g., Economics, Finance, Accounting, Statistics, Engineering)
• 5 - 8 years in credit roles within banking (retail/digital), multifinance, or fintech/P2P lending, including at least 3 years in Assistant Manager/Manager level
• Solid understanding of credit processes including screening, scoring, underwriting, credit modeling, and risk-based pricing
• Strong experience managing consumer lending portfolios (unsecured loans, BNPL), developing and implementing credit policies, and monitoring portfolio quality (FPD, NPL, vintage analysis)
• Professional certifications (SPPI, Risk Management, BSMR, Data Analytics) are a plus
• In-depth understanding of Otoritas Jasa Keuangan (OJK) regulations and strong awareness of evolving digital lending trends in Indonesia