Credit Risk Manager

Akulaku Group; Jakarta Pusat; On-site; IDR 900,000,000 - 1,300,000,000; Full time

Job summary

Akulaku Group is seeking an experienced BNPL Credit Risk Manager to oversee underwriting, screening, and approval processes across online and offline channels.

You will develop credit policies aligned with risk appetite, optimize data-driven strategies, and track portfolio performance to maintain high credit quality. Collaboration with Risk, Collections, Fraud, Data, and Product teams is essential.

Qualifications

• Bachelor’s degree in a relevant field.
• 5–8 years in credit roles within banking, fintech, or lending (min 3 years at AM/Manager level).
• Solid understanding of credit processes: screening, scoring, underwriting, risk-based pricing.

Responsibilities

• Oversee BNPL credit risk operations including underwriting, screening and approvals.
• Develop, review and implement BNPL credit policies aligned with risk appetite; optimize data-driven credit strategies.
• Track and manage portfolio performance (FPD, NPL, vintage analysis) and create action plans to maintain credit quality.
• Collaborate with Risk, Collections, Fraud, Data and Product teams; coordinate with senior management and external vendors.
• Ensure full compliance with OJK regulations; prepare relevant documentation.
• Lead, coach, and develop the credit team with KPI-focused performance reviews.

Skills

BNPL credit risk operations

Credit policy development

Portfolio performance tracking

Regulatory compliance

Team leadership

Stakeholder coordination

Education

Bachelor’s degree in Economics, Finance, Accounting, Statistics, or Engineering

Job description

• 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

• 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